Job Summary
Java Backend Developer ‿ Mortgage Domain (4+ Years Experience)
Backend Development
• Design, develop, and maintain RESTful / GraphQL APIs and backend services.
• Build scalable microservices for loan origination, underwriting, pricing, and servicing workflows.
• Implement secure data access, validation, and business logic aligned with mortgage processes.
• Optimize database queries and design data models to support mortgage specific entities (LOAN, LTV, DTI, AUS findings, etc.).
Mortgage Domain Responsibilities
• Work with Product and Business teams to translate mortgage rules, compliance requirements, and investor guidelines into technical solutions.
• Implement features for:
o Loan Origination System (LOS)
o Automated Underwriting System (AUS) integrations (DU, LPA, etc.)
o Credit, income, and asset verification flows
o Mortgage rate/pricing engines
• Ensure system compliance with industry standards such as:
o MISMO
o HMDA
o TRID
o Fannie Mae / Freddie Mac guidelines
• Assist in integrating 3rd party mortgage services (credit bureaus, appraisal platforms, fraud detection systems).
Quality, Security & Performance
• Write unit tests, integration tests, and support CI/CD pipelines.
• Ensure data security aligned with financial regulations (data encryption, PII handling).
• Troubleshoot production issues, ensuring high availability and performance.
Collaboration
• Work closely with frontend, QA, DevOps, and business teams.
• Participate in code reviews, architecture discussions, and sprint planning.
• Provide technical mentorship to junior developers.
Technical Skills
• Strong programming experience in one or more:
o Java / Spring Boot
o .NET Core
o Node.js
o Python
• Experience with RDBMS and NoSQL:
o SQL Server, PostgreSQL, MySQL, MongoDB
• Strong knowledge of:
o Microservices architecture
o API design
o Event driven architecture (Kafka, RabbitMQ, etc.)
• Experience with cloud platforms:
o Azure, AWS, or GCP
• Hands on with CI/CD tools (GitHub Actions, Azure DevOps, Jenkins, etc.).
Mortgage Domain Skills
• Understanding of:
o Loan Origination (LOS)
o Underwriting process
o Mortgage pricing engines
o Credit/Collateral/Capacity (3 Cs)
o Regulatory compliance workflows
• Experience working with MISMO data formats is a plus.
• Exposure to document management & OCR technologies.
• Familiarity with risk and fraud assessment in lending.
• Understanding of financial calculations (APR, amortization, PMI, escrow).