Non QM Underwriter; Pacific Time Zone

Position: Non QM Underwriter (Pacific Time Zone)
This position is responsible for the timely and accurate analysis and evaluation of loan applications based on a borrower's credit, employment, income, financial data, and asset profile, along with the appraisal report, and investor guidelines. An underwriter makes sound decisions that mitigate risk to the company, adhere to quality standards, and maximize the borrower's chances of obtaining and sustaining home ownership.

At UHM, we understand diversity comes in many different forms. It’s our commitment to improve inclusion in the workplace through programs and policies that establish a positive and inclusive environment where every Partner, regardless of their background, can grow and excel. We value diversity, educate on equity, and create inclusive partner opportunities to ensure that you know #UBelong

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DUTIES & RESPONSIBILITIES are as follows.

Responsible for underwriting a minimum of 4 new loans per day for government underwriters and 6 new loans per day for conventional underwriters (or as applicable to daily assigned tasks) while minimizing any risk to the company by thoroughly analyzing a borrower’s income, credit, assets, ratios and the collateral to ensure compliance with our investors, agencies, HUD, VA, USDA or HFAs, as applicable.

Maintain 24-48 hour turn times.

Responsible for clearing UTC conditions within 24 hours.

Responsible for remaining updated on all investors, agency, and UHM guideline changes along with any overlays.

Ensure the accuracy of all necessary criteria for specific loan types, products, rates, applicable documentation, and data.

Maintain quality control ratings within company standards.

Listen in on departmental huddles.

Additional responsibilities as required.

EDUCATION & EXPERIENCE3+ years of experience as an Underwriter and complete knowledge of the mortgage business

Must have experience with Non QM loans

Bachelor’s degree or equivalent work experience preferred SKILLS REQUIRED Strong analytical skills, especially in credit and risk, along with decision making skills

Effective interpersonal skills and technical report writing skills.

Attention to detail.

Knowledge of Encompass LOS a plus Shows work commitment

Personal organization

Adaptability and flexibility

Ability to multi-task and meet strict deadlines.

Fosters teamwork

Uses sound judgement

Comfortable using financial/ quantitative data.