Senior Mortgage Underwriter

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Wanted:
Experienced Senior Mortgage Underwriter with active DE, SAR/LAPP and strong Non-QM experience

Salary: $100,000 - $100,000 per year

We are adding a Senior Mortgage Underwriter to support both our Retail and Wholesale channels. This is a live-file underwriting role responsible for reviewing, decisioning, and clearing loans through Clear-to-Close in a fast-paced environment. We need a Senior Mortgage Underwriter with an active DE/CHUMS, LAPP/SAR, and very strong Non-QM underwriting experience.

Prefer In‑house and local to our office in New Jersey, yet Hybrid and/or Remote is an option depending on experience.

• Competitive base salary - depending on experience and certifications
• Full Benefits with 401(k)
• Annual Bonus Option
• Supportive culture, opportunities for learning, and accessible management!
• Plus so much more...

• Underwrite Conventional, FHA, VA, Jumbo, Bond, and Non‑QM loans
• Manage files from initial decision through Clear‑to‑Close (CTC)
• Exercise VA LAPP/SAR authority, including Notice of Value (NOV) issuance
• Underwrite Non‑QM programs (Bank Statement, DSCR, Asset Utilization, ITIN)
• Analyze complex income including self‑employed borrowers
• Partner with Retail Loan Officers and Wholesale brokers
• Maintain SLA turn times while protecting credit quality
• Work with Loan Originators to restructure loans
• Respond to underwriting scenario desk inquiries

• 5+ years current front‑line underwriting experience
• 2+ years hands‑on Non‑QM underwriting
• Active VA LAPP/SAR designation (required)
• Strong DU/LP and manual underwriting knowledge
• FHA DE certification
• Advanced self‑employed income analysis skills
• Advanced rental income analysis skills
• Experience in Encompass or comparable LOS
• Ability to manage production pipeline independently
• Strong understanding of secondary market requirements
• Ability to respond to investors and government agencies to resolve deficiencies that may arise
• Team player with a strong commitment to customer service
• Excellent verbal and written communication skills

If interested, apply directly or feel free to email your latest resume and your desired base salary requirements to . Easy Apply now by clicking the "Easy Apply" button.

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