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Home Equity Marketplace

Underwriter

$60k – $75k • 0.012% – 0.16%
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ABOUT US

Our Product

“Point provides the opportunity to stabilize your financial situation without adding costly monthly payments.” - Homeowner in Burlingame, CA

 

Here at Point, we’re helping homeowners unlock the equity in their homes without taking on further debt. With an investment from Point, homeowners can de-leverage and diversify their wealth, freeing them up to invest in their business, renovate and maintain their home, eliminate debt, and tackle all of life’s expenses from college tuition to medical bills. Our equity investment product is an advantageous alternative for homeowners and investors alike. When partnering with Point, investors now have access to a brand new asset class - homeowner-occupied residential real estate. Point is the first fintech product that is truly aligned with consumers’ interests - when the homeowner does well, Point and its investors do well.

 

Our Team

People first

As a consumer fintech company, we embed integrity, transparency, and trust into everything we do at Point, including how we work. Whether you’re a homeowner, investor, employee, or candidate, it’s people who power our business. We keep the human experience top of mind.

 

Experts at work

We’re on a mission to help the 23 million equity-rich, but cash-constrained Americans tap into their home’s wealth. To do so, we have experience and expertise in all areas of the business, especially at the helm. Point’s leadership have previously founded TrialPay (acquired by Visa), Yub (acquired by Coupons.com), Metails (acquired by Buy.com), SiteAdvisor (acquired by McAfee), Affirm, SendGrid (acquired by Twilio), and TXN (acquired by Envestnet).

 

Championed by the best

In 2019, Point closed a $22M Series B led by Prudential Financial, DAG Ventures, and Andreessen Horowitz. We’ve received funding from Ribbit Capital, Greylock, SV Angel and Bloomberg Beta as well.



ROLE OVERVIEW

You will be responsible for analyzing and verifying property and financial data to create an approval recommendation, and present and defend credit exceptions to the credit and operations team. You will review appraisal reports and tax transcripts and follow up on any discrepancies. You will create and send offers to homeowners. 

 

You will work closely with the Account Managers and Closers to ensure a high level of customer service. You will work closely with the senior members of the company and will be exposed to all aspects of Point’s business. 

 

ABOUT YOU

* Undergraduate degree in Business Administration, Finance/Accounting, Economics, or similar
* 1-3 years of experience in loan underwriting, consumer lending, customer service, operations, fraud analysis, personal banking, or another analytical role
* Fastidious attention to detail
* Deep understanding of (or eagerness to learn) Fannie Mae lending guidelines
* Strong analytical and problem-solving skills
* Comfort presenting and defending credit decisions
* Fluency in Microsoft Office or Google Sheets. You use formulas to reduce errors and increase efficiency whenever possible.
* A desire to deliver an uncommon level of quality customer service
* Knowledge of common credit underwriting standards, and income and asset evaluation is a plus
* Excited about joining an early-stage tech company, interested in real estate, interested in fintech



PERKS AT POINT

Health Insurance

Point provides platinum-rated plans for medical (Anthem Blue Cross or Kaiser Permanente), dental and vision (The Standard). We cover 99% of employee premiums and 75% of dependent premiums.

 

Transportation

Point participates in the Caltrain GoPass program which provides an unlimited train pass for work and personal travel. Alternatively, team members commuting by car will receive a free parking permit.

 

Generous vacation

Take time for yourself and your family when you want - Point has an unlimited vacation policy.

 

Work from home & Flexibility

Many team members work from home once a week. We care about productivity and accountability, not facetime.

 

Continued Learning

We encourage all team members to attend events hosted by our investors, external workshops and conferences. We believe in continuous improvement and want to support employees on their professional journeys.

 

Family Friendly

Point will top off California PFL earnings to full salary for up to six weeks, as well as two weeks of fully paid leave to be available after exhaustion of CA PFL. An employee can take reasonable vacation time in addition to the California PFL leave.

 

Bright office with amenities 

We have an open floor plan for easy collaboration and plenty of free drinks and snacks to keep you nourished throughout the day. Additionally, Point provides catered lunch every Monday and Wednesday.

 

Staying fit

Point provides a monthly stipend to cover a 45 credit ClassPass membership - see you at Barry’s Bootcamp!



Hourly compensation range: $29.00 - $36.00

This position is eligible for overtime.

Equity range: 0.012% - 0.16%

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