Non-QM Pricing Specialist

Job Summary

Managing the pricing and rate-lock process for Non-QM mortgage loans, the full-time remote NQE Pricing Specialist will assess exception scenarios, issue pricing quotes, and collaborate with various teams to ensure competitive and compliant pricing strategies.

Key responsibilities

• Issue lock confirmations, track expirations, and maintain compliance with lock policies as part of the Non-QM rate lock desk
• Analyze loan-level risk characteristics and determine appropriate pricing overlays or exceptions based on investor appetite and internal guidelines
• Provide insights and reporting on exception trends, investor hit rates, and margin impact to management

Required qualifications

• Bachelor's degree in Finance, Economics, Business, or a related field preferred, or equivalent experience in mortgage banking
• 3+ years of experience in Non-QM pricing or rate lock desk operations
• Advanced knowledge of Non-QM guidelines, investor overlays, and borrower risk evaluation criteria
• Experience with pricing engines such as Optimal Blue and LoanSifter
• Familiarity with Encompass loan origination system