Underwriter — Home Equity Line of Credit (HELOC)

Job overview

The Underwriter — Home Equity Line of Credit (HELOC) role is onsite in Salt Lake City, UT. The posting lists $32–$40 per hour plus a monthly target bonus. The underwriter is part of Trovy’s credit team, supporting its home-equity lending platform for homeowners. The role evaluates HELOC applications and makes accurate, well-documented credit decisions, including complex files involving self-employed borrowers and business owners. It also contributes to consistent credit policy and procedures and partners with operations, product, and credit policy teams to improve decision workflows and the applicant experience.

What you'll do

• Underwrite HELOC applications from intake through final decision, evaluating income, credit, assets, collateral, and title against credit policy. Analyze complex self-employed income and business cash flow
• assess business stability and access to income
• calculate and validate income, review credit reports and debt-to-income ratios, and evaluate collateral, lien position, title, and ownership. Identify potential fraud, condition or escalate files, document decision rationale, communicate conditions and document requests, support adverse-action processes and regulatory compliance, and help develop underwriting procedures, worksheets, and job aids.

What we're looking for

Skills & competencies

underwriter

heloc

salt lake city ut

trovy

$32–$40/hr

monthly target bonus

mortgage underwriting

self-employed borrowers

credit analysis

income analysis

onsite

full-time

Work arrangement

• Weekend coverage required

Benefits & perks

• Equity participation, paid time off, paid holidays and floating holidays, company-sponsored health, dental, vision, and life insurance, commuter benefits, HSA, 401(k), and Friday office lunch.

Why this role

Complex self-employed borrower underwriting; contributes to building Trovy’s underwriting playbook and decision workflows.

About the employer

Trovy is hiring for this role. Industry: Financial Transactions Processing, Reserve, and Clearinghouse Activities. Sector: 52.