# Project Lead, Consumer Diligence

**Company:** [Setpoint.io](https://hotfix.jobs/companies/setpoint-io)
**Location:** Austin, TX, Salt Lake City, UT
**Role:** Other
**Experience:** 7+ years
**Skills:** non-qm underwriting, loan review, tpr, income analysis, asset depletion, complianceease, fannie mae, freddie mac, ginnie mae, consumer compliance, exception decisions, credit review
**Posted:** 2026-07-31

> Own end-to-end TPR review engagements for non-QM consumer loans. Perform detailed credit reviews on income, assets, liabilities, credit and collateral; make and defend exception decisions; serve as primary client contact; manage SLAs, findings communication, and internal coordination. Requires 7+ years residential mortgage credit experience with recent hands-on non-QM underwriting.

## Job Description

## Credit Review
- Perform loan-level review on non-QM consumer files, covering income (full documentation as well as alternative documentation such as bank statement, P&L, and asset depletion), assets, liabilities, credit, and collateral/valuation.
- Make and defend exception decisions, including the compensating factors behind an approval.
- Interpret client scope and guidelines against applicable investor requirements, and set the review to match.
- Resolve files that fall outside guideline and the calls reviewers escalate to you.
- Keep grading consistent across a book of loans, and catch patterns that point to a systemic issue in a pool.

## Client Delivery
- Run the engagement end to end: translate the client's scope and guidelines into the review and deliver on quantity, quality, and SLA.
- Communicate findings to the client and report exception and defect results to their satisfaction.
- Write the exception responses and audit responses when a client or their auditor challenges a finding.
- Serve as the client's point of contact through the review, and manage timelines with them and with internal operations, product, and compliance.
- Give the GM and internal teams a current, honest read on where each engagement stands.

## Requirements
- 7+ years in residential mortgage credit, with meaningful time in TPR or loan-level due diligence.
- Recent, hands-on non-QM underwriting. You have graded files yourself in the last year, not just overseen people who do.
- Ability to make and defend exception decisions to a client or rating agency, including complex and alternative income analysis and valuation review.
- Direct experience communicating findings to clients and handling pushback on exceptions or defects.
- Working knowledge of consumer compliance as it applies to review, including high-cost tests and product-specific disclosure requirements.
- Ability to run to SLAs and competing deadlines without letting review quality slip.

## Strong Pluses
- Agency, non-QM securitization, and whole-loan review experience, and familiarity with what rating agencies expect from a TPR file.
- ComplianceEase or a comparable compliance engine.
- Experience across agency guidelines (Fannie/Freddie/Ginnie) and non-QM documentation types such as bank statement and asset depletion.

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