Senior Non-QM Underwriter

Job Overview

The Senior Non-QM Underwriter evaluates loan applications for various Non-QM products, makes credit decisions, and collaborates with loan officers, brokers, and operations staff to ensure compliance with policies, guidelines, and regulations while mitigating risk and providing excellent customer service.

Responsibilities

• Underwrite Non-QM loans including DSCR, Bank Statement, Asset Utilization, Foreign National, P&L, and 1099 loans.
• Perform Bank Statement calculations (manual and automated).
• Maintain company service level agreements (SLA).
• Communicate with Mortgage Loan Originators, Brokers, and Operations staff to ensure high customer service.
• Adhere to all company policies and procedures.
• Maintain acceptable QC rating with minimal findings.
• Complete tasks assigned by management.

Qualifications

• 5+ years of mortgage underwriting experience with at least 2-3 years in Non-QM Lending.
• Strong knowledge of all Non-QM products.
• Proficient with Word, Outlook, PowerPoint, Excel, and multiple LOS (Blue Sage preferred).
• Ability to work well in a fast-paced environment with high volume.
• Strong analytical and decision-making abilities.
• Proficient in mortgage lending software and underwriting platforms.
• Thorough understanding of regulatory and compliance requirements.
• Excellent communication and interpersonal skills.