Credit Specialist

About the role

Zillow Home Loans provides customers with a streamlined option for their home financing needs. By utilizing Zillow's home-buying expertise and cutting-edge technology, we're working to create an easier, smoother 'check-out' experience in the real-estate transaction. Zillow Group is a strategic, mission-driven organization focused on delivering exceptional experiences and measurable outcomes. Our work spans cross-functional partnership, scalable programs and operational excellence in support of Zillow's mission. We bring deep experience working across diverse teams in a dynamic, high-growth environment, balancing strategic thinking with hands-on execution to drive meaningful business impact. We are seeking an experienced professional to support our workforce expansion in India. We are looking for a detail-oriented Credit Specialist to support high-quality mortgage loan decisions at Zillow Home Loans. In this role, you will conduct thorough reviews of mortgage loan files to assess compliance with agency, company, and investor guidelines, helping ensure the salability of closed loans. This is a strong fit for someone who brings sound judgment, a high bar for accuracy, and the ability to work effectively in a fast-paced mortgage operations environment. You will play a key role in reviewing documentation, identifying deficiencies, documenting decisions clearly, and partnering cross-functionally to keep files moving efficiently. This role has been categorized as an Office position. "Office" employees regularly work at the Zillow India office for approximately 80 to 100 percent of their time each month. Employees must live within a reasonable commuting distance of the office. Zillow has not defined a reasonable distance, and expects employees will use judgment in determining this for themselves and understand the implications re: time commitment and cost of daily commute. In addition to a competitive base pay, employees in this role are eligible for incentive compensation subject to applicable laws and relevant Zillow policies. Actual amounts will vary depending on experience, performance and location.

Responsibilities

• Conduct thorough reviews of mortgage loan files to determine compliance with agency, company, and investor guidelines
• Review resubmitted files and supporting documents to assess completeness and eligibility
• Make and issue independent, compliant loan decisions
• Enter information into Encompass LOS to document and validate file decisions
• Maintain service level expectations and turn-time standards
• Protect confidential and sensitive customer information
• Respond to audits and post-closing issues in a timely manner
• Maintain working knowledge of agency and investor guidelines, policies, regulatory changes, and market developments
• Partner closely with processing staff to resolve underwriting deficiencies, calculation errors, and credit documentation questions
• Communicate clearly and effectively with internal partners to support timely, accurate file progression

Requirements

• Minimum 5+ years of recent residential mortgage underwriting experience
• 6+ years of overall mortgage industry experience
• Demonstrated ability to underwrite mortgage loan files for agency compliance and investor guidelines
• Strong experience reviewing and evaluating borrower profiles, including income documentation, personal and business tax returns, credit reports, preliminary title reports, and appraisals
• Ability to make sound,
• ndependent underwriting decisions while balancing risk, quality, and turnaround expectations
• Proven ability to manage a large pipeline and perform effectively under pressure and tight deadlines
• Strong analytical, decision-making, problem-solving, and prioritization skills
• Ability to succeed in a fast-paced, high-stakes environment while maintaining a high bar for quality and production standards
• Strong verbal and written communication skills, with the ability to build and maintain professional relationships with peers and management
• Experience underwriting Jumbo loans preferred
• Experience with recent manual underwriting preferred
• Experience in a medium to large nonbank lender environment preferred
• Encompass experience preferred
• High level of discretion and professionalism when handling confidential and sensitive information
• Get to know us
• At Zillow, we're reimagining how people move-through the real estate market and through their careers.
• Whether you're working in tech, operations, or shared services, you'll collaborate with global partners to solve meaningful problems and help more people make home a reality.
• Zillow is honored to be recognized among the

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