Underwriter - Mortgage Lending

We are one of the country’s premier housing platforms, with a nationwide footprint and rapidly expanding mortgage operation focused on non‑QM products, including DSCR, fix‑and‑flip/RTL, and consumer loans. We operate in a performance‑driven environment with a strong emphasis on speed, quality, and risk management.

We are seeking a detail‑oriented and production‑focused Underwriter to evaluate and approve loans across our non‑QM product suite. This role is responsible for making sound credit decisions, maintaining high underwriting quality, and meeting aggressive turn‑time expectations.

• Loan Underwriting: Review and underwrite non‑QM loan files across DSCR, RTL, and consumer products, including income, assets, credit, and collateral. Make clear, well‑documented credit decisions in line with company guidelines.
• Loan Delivery: Ensure loans are structured, underwritten, and conditioned in line with credit policy and investor requirements. Maintain high file quality to support clean submissions and efficient execution.
• Conditions & Pipeline Management: Issue clear and actionable conditions, manage pipeline effectively, and ensure timely re‑review and decisioning.
• Collaborate with Investors: Understand investor guidelines and be able to articulate and negotiate condition and document acceptance in a professional and expeditious manner.
• Turn Time Performance: Meet or exceed SLAs for initial underwrites and condition reviews while maintaining accuracy and consistency.
• Exception Handling: Evaluate and document exceptions within established guidelines, ensuring disciplined and well‑supported credit decisions.
• Quality & Compliance: Maintain high standards of accuracy and ensure all underwriting decisions comply with internal policies and applicable regulations.
• Cross‑Functional
  
  Collaboration:
  
  Work closely with Loan Officers, processors, and operations to resolve issues, move files efficiently, and improve overall workflow.

• 3–7 years of mortgage underwriting experience, preferably in non‑QM or investor lending.
• Experience with DSCR, bridge/RTL, or similar non‑agency products.
• Strong understanding of credit risk, income analysis, and loan structuring.
• Familiarity with LOS systems and underwriting workflows.
• Ability to manage a high‑volume pipeline while maintaining quality and consistency.
• Strong attention to detail and sound credit judgment.

• Strong credit analysis and decision‑making
• Time management and prioritization
• Attention to detail and accuracy
• Ability to operate in a fast‑paced, production environment
• Clear written and verbal communication