[Hiring] Non-QM Loan Underwriter @National Mortgage Staffing

Role Description

As a Non-QM Underwriter, you will be responsible for evaluating and underwriting complex non-qualified mortgage (Non-QM) loan applications. This position requires expertise in various non-QM loan products, including but not limited to:

• Bank Statement
• DSCR (Debt Service Coverage Ratio)
• Asset Depletion

Your role will ensure compliance with all underwriting guidelines and regulatory requirements while maintaining a high level of service and accuracy.

Candidate must reside in California, New York, Illinois, New Jersey, Nevada.

HOURS ARE 9-5 Pacific Time Zone.

Key Responsibilities

• Review and analyze loan files, including income documentation, credit reports, and asset verification for Bank Statement, DSCR, and Asset Depletion loans.
• Underwrite and approve or deny loan applications based on the company’s guidelines, policies, and regulatory requirements.
• Communicate with loan officers, processors, and other stakeholders to obtain necessary documentation and resolve any issues.
• Ensure loan files are complete, accurate, and compliant before final approval or denial.
• Stay current with industry regulations, guidelines, and best practices regarding Non-QM loan products.
• Provide guidance and support to junior underwriters and other team members as needed.
• Maintain a high level of productivity and quality assurance while meeting deadlines.

Qualifications

• Minimum of 3+ years of experience in underwriting Non-QM loans.
• Strong knowledge and experience with Bank Statement, DSCR, and Asset Depletion products.
• Experience Underwriting Non-QM roles within the last 6 months.
• Deep understanding of underwriting guidelines, regulations, and compliance standards related to Non-QM loans.
• Proven ability to handle a high volume of loan files while maintaining accuracy and attention to detail.
• Excellent communication skills, both written and verbal.
• Ability to work independently and as part of a collaborative team.
• Strong organizational and problem-solving skills.

Requirements

• Salary: 90-130k plus annual bonus - exempt.
• Health insurance, dental, vision.
• 401k 50% match on the first 6% of contributions.
• PTO starts at 10 days a year + 11 company holidays per year.
• Sick time also offered.