Transaction Manager

Setpoint.io

Transaction Manager handling TPR reviews for non-QM consumer files at Setpoint. Overseeing credit review processes and ensuring compliance in residential mortgage transactions.

Posted 7/30/2026full-timeAustin • Texas, Utah • 🇺🇸 United StatesSeniorLeadWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in residential mortgage credit and non-QM underwriting, with a strong ability to perform loan-level credit reviews and communicate findings effectively. Proven track record in managing timelines, making exception decisions, and ensuring compliance with consumer regulations.

Highest-signal resume keywords

Residential Mortgage CreditNon-QM UnderwritingException Decision MakingConsumer Compliance KnowledgeLoan-Level Due Diligence

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Loan-Level Credit ReviewIncome AnalysisAsset EvaluationLiability AssessmentCollateral ValuationGrading FilesHigh-Cost TestsProduct-Specific Disclosure Requirements

Soft Skills

Effective CommunicationConflict ResolutionTime Management

Industry Keywords

TPR Review EngagementsSLA ManagementConsumer FilesEscalation Resolution

About the role

Key responsibilities & impact

Own TPR review engagements end to end.
Perform loan-level credit review on non-QM consumer files covering income, assets, liabilities, credit, and collateral.
Make and defend the exception decisions that come out of the review.
Translate each client's scope and guidelines into the review.
Communicate findings and manage timelines against SLA while coordinating with internal operations, product, and compliance.
Keep grading consistent across a book of loans, resolve files and escalations that fall outside guideline.

Requirements

What you’ll need

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.

Benefits

Comp & perks

competitive salaries
stock options
medical coverage
dental coverage
vision coverage
401(k)
short term disability coverage
long term disability coverage
flexible vacation