Non-QM Mortgage Underwriter

Job Summary

Seeking a motivated and detail-oriented Non-QM Mortgage Underwriter, this fully remote position will underwrite complex loan files across various Non-QM programs while collaborating with Sales, Account Managers, and Operations to ensure efficient loan processing and compliance with guidelines.

Key responsibilities

• Underwrite residential mortgage loan applications in compliance with company, investor, and regulatory guidelines
• Analyze borrower credit, assets, and income, including complex income scenarios such as self-employed borrowers and bank statement programs
• Maintain an underwriting pipeline that meets established SLAs and productivity benchmarks while delivering clear, well-documented underwriting decisions

Required qualifications

• 2-5 years of mortgage underwriting experience, including exposure to Non-QM or alternative documentation loans
• Working knowledge of Non-QM products such as Bank Statement programs, DSCR, and 1099 income
• Strong analytical skills with the ability to evaluate complex borrower profiles
• A coachable mindset with a desire to learn, grow, and evolve within the role
• Strong time management skills and the ability to prioritize in a fast-paced environment