Non-QM Senior Underwriter

Overview

Experienced Senior Non-QM Underwriter - Subject Matter Expert. Preference for in-house and local to our New Jersey office; hybrid and remote options available.

Salary: $100,000 - $100,000 per year. This Jobot Job is hosted by Stephen Niedringhaus. Easy Apply available after review of resume.

• Underwriting:
  Review and approve/deny Non-QM/Non-Agency loans (Bank Statement, Asset Depletion, DSCR, Foreign National, etc.).
• Risk Assessment:
  Analyze borrower credit, income (alt docs), assets, and collateral to determine ability to repay.
• Guideline Expertise:
  Maintain deep knowledge of investor guidelines, overlays, FHA, VA, etc.
• Communication:
  Act as a subject matter expert (SME) for sales/operations, providing loan solutions and structuring help.
• Pipeline Management:
  Manage loans, clear conditions quickly (24-48 hrs), and meet service level agreements (SLAs).
• Compliance:
  Ensure all loans meet regulatory and investor standards.

• Significant experience in Non-QM, Jumbo, or Non-Agency underwriting (5+ years Non-QM).
• Manual Underwriting:
  Strong ability to manually underwrite complex files.
• Analytical
  
  Skills:
  
  Excellent problem-solving, detail orientation, and multi-tasking.
• Software:
  Familiarity with mortgage software (like Encompass).

Supportive culture, opportunities for learning, and accessible management. Competitive base salary. Full Benefits with 401(k). Annual Bonus Option. Plus so much more.

A Non-QM Underwriter for our company will analyze complex loans outside standard rules, using bank statements, asset depletion, DSCR, etc., to assess risk, ensuring compliance with investors while supporting sales with clear decisions, managing conditions, and maintaining strong knowledge of alternative income/credit for self-employed or unique borrowers. Prefer in-house and local to our office in New Jersey, yet hybrid and remote is an option.

Jobot is an Equal Opportunity Employer. We provide an inclusive work environment that celebrates diversity and all qualified candidates receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. Jobot also prohibits harassment of applicants or employees based on these categories.

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