We are seeking an experienced Non-QM Mortgage Underwriter to join our dynamic team. The ideal candidate will bring at least 10 years of mortgage underwriting experience, with a minimum of 5 years focused on Non-QM products This individual will be responsible for evaluating complex borrower profiles, ensuring compliance with company guidelines, and delivering timely, sound credit decisions.

Key Responsibilities

• Review and analyze loan applications, credit reports, income, assets, collateral, and other documentation to assess borrower eligibility.
• Apply expert knowledge of Non-QM loan programs including bank statement loans, DSCR, asset depletion, and other alternative documentation products.
• Maintain compliance with all federal, state, and investor regulations as well as company policies.
• Provide clear, consistent communication with loan officers, processors, and other stakeholders.
• Identify and mitigate risk while ensuring loan quality standards are met.
• Stay updated on industry trends, guideline changes, and market shifts in Non-QM lending.
• Support junior underwriters with guidance and mentorship as needed.

Qualifications

• 10+ years of mortgage underwriting experience.
• 5+ years of Non-QM underwriting experience.
• Strong knowledge of Non-QM products and ability to handle complex income scenarios.
• Familiarity with AUS systems (DU/LP) and manual underwriting.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong written and verbal communication abilities.
• High attention to detail with the ability to manage multiple files in a fast-paced environment.

Preferred Skills

• DE, LAPP, or SAR certifications (not required but a plus).
• Experience in both retail and wholesale lending environments.
• Proficiency with Encompass or other LOS platforms.

What We Offer

• Competitive salary and performance-based bonuses.
• Comprehensive benefits package (health, dental, vision, 401k).
• Opportunities for professional development and growth.
• Collaborative and supportive team culture.