[Hiring] Non-QM Underwriter (Scenario Support) @Plaza Home Mortgage, Inc.

Role Description

The Non-QM Underwriter (Scenario Support) plays a critical role in supporting the Non-QM Underwriting team and the Sales Team by providing expert-level guidance on loan scenarios, conducting complex income analysis, facilitating investor exception requests, and assisting with credit decisions. This full-time, non-managerial position requires deep knowledge of Non-QM underwriting guidelines, strong communication skills, and the ability to collaborate with internal and external stakeholders.

• Serve as a primary point of contact for scenario inquiries and underwriting guidance related to Non-QM loan products.
• Perform pre-submission income calculations for complex income types including bank statements, P&Ls, asset depletion, etc.
• Assist Non-QM Underwriting Managers with guideline interpretation, condition clarification, and resolution of file-level questions.
• Collaborate with investors to submit and track exception requests, working closely with Underwriters and Sales to gather necessary documentation.
• Support the administrative and post-closing team on Non-QM investor suspense items as needed.
• Maintain strong working knowledge of Non-QM investor guidelines and internal policies.
• Contribute to team meetings, training sessions, and continuous improvement initiatives.

Qualifications

• Expert knowledge of Non-QM income documentation and underwriting guidelines.
• Recent experience in manual underwriting and credit review.
• Strong analytical and problem-solving skills.
• Excellent oral and written communication skills.
• Ability to prioritize and multitask in a fast-paced environment.
• High proficiency in Microsoft Excel and other standard office software.
• High school diploma or equivalent required; college degree preferred.
• Minimum 4 years of experience in mortgage underwriting or a related credit role.
• Minimum 2 years specific to Non-QM loan products.

Requirements

• This is a remote position.

Benefits

• Estimated Rate of Pay: $38.50 - $43.30.
• This position is full-time; non-exempt.
• Competitive benefits package including medical/dental/vision, paid time off and holidays, 401(k), life and pet insurance.
• Additional benefits such as an employee friends and family loan and an employee assistance program that includes a variety of discounted services.