[Hiring] Mortgage Underwriter @Lendz Financial

Role Description

Lendz Financial is seeking a motivated and detail-oriented Non-QM Underwriter to join our growing operations team. This role is ideal for an underwriter with a strong foundation in mortgage credit who is eager to deepen their Non-QM expertise and grow within a supportive, high-accountability environment.

You’ll underwrite complex loan files across Non-QM programs such as:

• Bank Statement
• DSCR
• Asset Utilization
• 1099 income

This is a fully remote position with clear performance expectations, ongoing coaching, and opportunities for professional growth.

What You’ll Do:

• 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
• 1099 income
• Bank Statement programs
• Asset depletion and utilization
• Review and evaluate personal and business documentation, including 12- and 24-month bank statements, P&Ls, and cash flow statements.
• Maintain an underwriting pipeline that meets established SLAs and productivity benchmarks.
• Deliver clear, well-documented underwriting decisions and conditions aligned with program guidelines.
• Provide written justification for loan decisions and required conditions.
• Partner with Loan Officers, Account Managers, and Operations to resolve file-level questions and move loans efficiently toward closing.
• Support quality control standards, including:
• Pre-closing defect rate below 10%
• Post-closing defect rate below 5%
• Stay current on Non-QM guideline updates, investor overlays, and regulatory requirements.
• Contribute to a collaborative team environment focused on continuous improvement and shared success.

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
• Asset Utilization
• 1099 income
• Strong analytical skills with the ability to evaluate complex borrower profiles.
• Clear, professional written and verbal communication skills.
• 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.
• Sound judgment, attention to detail, and a high level of accountability.

Benefits

• Highly subsidized medical insurance.
• Low-cost dental and vision insurance.
• 401(k) program.
• Health Savings Account (HSA).
• Generous paid time off and company holidays.
• Ongoing training, mentorship, and professional development opportunities.
• A collaborative, supportive work environment that values ownership and growth.