Mortgage Credit Underwriter
Job Summary
Evaluating mortgage loan files that fall outside standard underwriting guidelines, the part-time Mortgage Credit Exception Underwriter will analyze borrower risk, ensure compliance with regulations, and make recommendations based on compensating factors in a remote setting.
Key Responsibilities
- Review mortgage loan applications requiring credit exceptions to established underwriting guidelines
- Analyze borrower credit history, income, assets, collateral, and overall risk profile
- Document exception decisions with clear, detailed rationale
Required Qualifications
- 5+ years of mortgage underwriting experience, with the most recent 2 years specifically in Non-QM
- Strong knowledge of all Non-QM loan products (DSCR, bank statement, asset qualification, full doc, P&L, and 1099)
- Proficiency with Encompass and Microsoft Office applications
- Ability to manage multiple priorities in a fast-paced environment
Complete Job Description
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