Senior Non-QM Underwriter

Wanted:
Experienced Senior Non-QM Underwriter with strong conventional and government loans experience

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

Location:

New Jersey (In‑house preferred, hybrid/remote options depending on experience)

Job type:
Senior Non-QM Underwriter supporting Retail and Wholesale channels in a fast‑paced environment responsible for reviewing, decisioning, and clearing loans through Clear‑to‑Close.

• Underwrite Non‑QM loans plus Conventional, FHA, Jumbo, Bond, and VA
• Manage files from initial decision through Clear‑to‑Close (CTC)
• Strong experience with 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 turnaround 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 and FHA DE authority strongly preferred
• Strong DU/LP and manual underwriting knowledge
• Advanced self‑employed income analysis skills
• Advanced rental income analysis skills
• Experience with 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
• Team player with a strong commitment to customer service
• Excellent verbal and written communication skills

• Competitive base salary (depending on experience and certifications)
• Full benefits package with 401(k)
• Annual bonus option
• Supportive culture, learning opportunities, and accessible management

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 any of these protected categories.

It is Jobot’s policy to comply with all applicable federal, state and local laws respecting consideration of unemployment status in making hiring decisions.