Senior Non-QM Underwriter

Job Description

Experience: Senior Level

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

• Underwrite Non-QM loans plus Conventional, FHA, Jumbo, Bond, and even VA
• Manage files from initial decision through Clear-to-Close (CTC)
• Strong experience underwriting 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 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 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

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

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

We are adding a Senior Non‑QM 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 Non‑QM Underwriter with strong conventional and government underwriting experience too.

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