Non-QM Loan Underwriter - In Office

As a Non-QM Underwriter, you will be responsible for evaluating and underwriting complex non-qualified mortgage (Non-QM) loan applications. This position requires expertise in various non-QM loan products, including but not limited to Bank Statement
, DSCR (Debt Service Coverage Ratio), and Asset Depletion loans. Your role will ensure compliance with all underwriting guidelines and regulatory requirements while maintaining a high level of service and accuracy.

Candidate must reside local to Los Angeles CA and be willing to work in office daily

• Review and analyze loan files, including income documentation, credit reports, and asset verification for Bank Statement, DSCR, and Asset Depletion loans.
• Underwrite and approve or deny loan applications based on the company’s guidelines, policies, and regulatory requirements.
• Communicate with loan officers, processors, and other stakeholders to obtain necessary documentation and resolve any issues.
• Ensure loan files are complete, accurate, and compliant before final approval or denial.
• Stay current with industry regulations, guidelines, and best practices regarding Non-QM loan products.
• Provide guidance and support to junior underwriters and other team members as needed.
• Maintain a high level of productivity and quality assurance while meeting deadlines.

• Minimum of 3+ years of experience in underwriting Non-QM loans.
• Strong knowledge and experience with Bank Statement
  , DSCR
  , and Asset Depletion products.
• Experience Underwriting Non-QM roles within the last 6 months.
• Deep understanding of underwriting guidelines, regulations, and compliance standards related to Non-QM loans.
• Proven ability to handle a high volume of loan files while maintaining accuracy and attention to detail.
• Excellent communication skills, both written and verbal.
• Ability to work independently and as part of a collaborative team.
• Strong organizational and problem-solving skills.

Salary: 90-140k plus annual bonus- exempt

Health insurance, dental, vision. 401k 50% match on the first 6% of contributions. PTO starts at 10 days a year + 11 company holidays per year. Sick time also offered.