Position OverviewWe are seeking an experienced
Non-QM Mortgage Underwriter to join our dynamic team. The ideal candidate will bring at least
10 years of mortgage underwriting experience, with a minimum of
5 years focused on Non-QM products. This individual will be responsible for evaluating complex borrower profiles, ensuring compliance with company guidelines, and delivering timely, sound credit decisions.
Key Responsibilities- Review and analyze loan applications, credit reports, income, assets, collateral, and other documentation to assess borrower eligibility.
- Apply expert knowledge of Non-QM loan programs including bank statement loans, DSCR, asset depletion, and other alternative documentation products.
- Maintain compliance with all federal, state, and investor regulations as well as company policies.
- Provide clear, consistent communication with loan officers, processors, and other stakeholders.
- Identify and mitigate risk while ensuring loan quality standards are met.
- Stay updated on industry trends, guideline changes, and market shifts in Non-QM lending.
- Support junior underwriters with guidance and mentorship as needed.
Qualifications- 10+ years of mortgage underwriting experience.
- 5+ years of Non-QM underwriting experience.
- Strong knowledge of Non-QM products and ability to handle complex income scenarios.
- Familiarity with AUS systems (DU/LP) and manual underwriting.
- Excellent analytical, problem-solving, and decision-making skills.
- Strong written and verbal communication abilities.
- High attention to detail with the ability to manage multiple files in a fast-paced environment.
Preferred Skills- DE, LAPP, or SAR certifications (not required but a plus).
- Experience in both retail and wholesale lending environments.
- Proficiency with Encompass or other LOS platforms.
What We Offer- Competitive salary and performance-based bonuses.
- Comprehensive benefits package (health, dental, vision, 401k).
- Opportunities for professional development and growth.
- Collaborative and supportive team culture.
Workplace Requirements:- Able to navigate a standard office environment (remotely and/or in office)
