Mortgage Underwriter Non-QM Specialist

Job Summary

Detail-oriented and experienced in Non-QM lending, the full-time remote Mortgage Underwriter Non-QM Specialist will evaluate complex loan applications, assess risk, and ensure high-quality credit decisions in a collaborative environment.

Key Responsibilities

• Perform comprehensive reviews of loan applications, including complex income documentation and appraisals
• Classify and qualify loans according to company and secondary market guidelines while conducting reasonableness tests
• Collaborate with Loan Originators, Processors, and Management to resolve compliance or funding issues effectively

Required Qualifications

• 4-6 years of mortgage experience, including at least 4+ years in residential underwriting with approval authority
• Specific experience with Non-QM products and manual underwriting policies is required
• Bachelor's degree in Finance, Accounting, Economics, or Business, or equivalent career experience
• Proficiency in Encompass and fraud-detection tools is highly preferred
• A dedicated, quiet home workspace with high-speed internet is necessary for remote work