Non-QM Credit Risk Underwriter

Job Summary

Reviewing and analyzing credit applications, the fully remote Non-QM Credit Risk Underwriter will assess borrower risk profiles, make credit decisions, and collaborate with Account Executives to ensure accurate underwriting of loan applications.

Key responsibilities

• Review and analyze credit applications, financial statements, and credit reports to determine borrower risk
• Make credit decisions and issue conditional loan approvals, suspensions, or denials with clear rationale
• Collaborate with Account Executives and Account Managers to gather documentation and clarify broker scenarios

Required qualifications

• 3+ years of experience in credit risk underwriting within consumer or mortgage lending
• Strong understanding of credit analysis, income documentation, and collateral evaluation
• Familiarity with credit risk frameworks and regulatory guidelines (e.g., Dodd-Frank, ECOA)
• Experience with underwriting tools and loan origination systems (LOS), such as Encompass or Meridian Link
• Proven ability to make sound risk-based decisions with strong attention to detail