Office Non-QM Underwriter

Non-QM Underwriter (DSCR / Bank Statement / Alt-Doc) – On-Site only- NOT REMOTE OR HYBRID

Our client, a growing California-based mortgage lender, is seeking an experienced Non-QM Underwriter with expertise in DSCR, Bank Statement, and alternative documentation loan products.

• Review and underwrite Non-QM, DSCR, Bank Statement, VOE, P&L, and Asset-based mortgage loans.

• Analyze self-employed and alternative documentation income calculations.

• Ensure all files meet company, investor, and regulatory guidelines.

• Run AUS findings and evaluate risk using DU, LPA, and Total Scorecard.

• Communicate effectively with processors, account managers, and loan officers to resolve file conditions.

• Manage a consistent underwriting pipeline, maintaining strong accuracy and turnaround times.

• Stay current on investor guidelines and evolving Non-QM products.

• Minimum 5 years of residential mortgage underwriting experience.

• 3+ years of Non-QM underwriting experience (required).

• Advanced understanding of DSCR, Bank Statement, VOE, P&L, and Asset-based loans.

• Strong experience underwriting self-employed borrowers and complex income structures.

• Proficiency with Encompass LOS
  , Core Logic Fraud Guard
  , and AUS systems (DU, LPA, Total Scorecard).

• Must have underwritten front line loans within the past 12 months.

• Base salary: $70,000–$100,000 (DOE)

• Bonus: Monthly eligibility after 2 years based on funding quota

• Benefits: Health Insurance, SIMPLE IRA (3% match), PTO, 5 sick days per year

National Mortgage Staffing does not determine the requirements or compensation for this role. All criteria are set forth by our client and must be followed exactly.