# Transaction Manager

**Company**: Setpoint
**Location**: Austin, TX
**Work arrangement**: hybrid
**Experience**: senior
**Job type**: full-time
**Category**: Finance
**Industry**: Finance

**Apply**: https://job-boards.greenhouse.io/setpoint/jobs/5199638007?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_084d8707-071

## Description

## Job Overview

As a Transaction Manager, you will own TPR review engagements end to end. You will perform loan-level credit review on non-QM consumer files covering income, assets, liabilities, credit, and collateral. This includes complex and alternative income analysis, making and defending exception decisions, and managing timelines against SLA while coordinating with internal operations, product, and compliance.

## Key Responsibilities

### Credit Review

- Perform loan-level review on non-QM consumer files, covering income, assets, liabilities, credit, and collateral/valuation.

- Make and defend exception decisions, including compensating factors behind an approval.

- Interpret client scope and guidelines against applicable investor requirements.

- Resolve files that fall outside guideline and handle escalated calls.

- Maintain consistent grading across a book of loans.

### Client Delivery

- Manage the engagement end to end: translate client scope and guidelines into the review and deliver on quantity, quality, and SLA.

- Communicate findings to the client and report exception and defect results.

- Serve as the client's point of contact and manage timelines with internal teams.

- Provide the GM and internal teams with updates on each engagement's status.

## Requirements

- 7+ years in residential mortgage credit, with experience in TPR or loan-level due diligence.

- Recent, hands-on non-QM underwriting experience.

- Ability to make and defend exception decisions, including complex income analysis and valuation review.

- Experience communicating findings to clients and handling pushback on exceptions or defects.

- Working knowledge of consumer compliance and ability to meet SLAs.

## Benefits

We offer a comprehensive benefits package including competitive salaries, stock options, medical, dental, and vision coverage, 401(k), disability coverage, and flexible vacation. Our offices are located in Austin, TX, New York City, NY, and Salt Lake City, UT, with hybrid roles and an expectation of two days a week in office.

## Skills

### Required
- residential mortgage credit
- TPR review
- loan-level credit review
- non-QM underwriting
- exception decisions
- consumer compliance

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Source: [Apply at job-boards.greenhouse.io](https://job-boards.greenhouse.io/setpoint/jobs/5199638007?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)