Non-QM Jumbo Underwriter

Job Summary

Evaluating complex residential mortgage loans, the full-time remote Non-QM Jumbo Underwriter will analyze credit, income, assets, and borrower risk while ensuring compliance with company and regulatory standards.

Key responsibilities

• Underwrite Non-QM, Jumbo, and other non-agency mortgage loans while reviewing various income documentation and financial statements
• Analyze layered risk and issue clear underwriting conditions, communicating decisions to loan officers and processors
• Stay current on investor guidelines and regulatory requirements, maintaining productivity and accuracy in a high-volume pipeline

Required qualifications

• Five or more years of residential mortgage underwriting experience
• At least three years of direct Non-QM, Jumbo, or non-agency underwriting experience
• Strong experience with self-employed borrowers and complex financial profiles
• Advanced knowledge of personal and business tax-return analysis and alternative-documentation programs
• Familiarity with Ability-to-Repay requirements and applicable federal and state mortgage regulations