Senior Credit Underwriter

• At World Business Lenders (WBL), we provide flexible, short-term commercial loans backed by real estate to help small and medium-sized businesses across the United States — particularly those facing difficulties with traditional financing. We're a fast-moving, results-driven organization that takes security seriously as we continue to grow
• This is a Full-Time Independent Contractor role with working hours from 9:00 AM - 6:00 PM Eastern Standard Time, Monday through Friday.

• At World Business Lenders (WBL), we provide flexible, short-term commercial loans backed by real estate to help small and medium-sized businesses across the United States — particularly those facing difficulties with traditional financing. We're a fast-moving, results-driven organization that takes security seriously as we continue to grow
• This is a Full-Time Independent Contractor role with working hours from 9:00 AM - 6:00 PM Eastern Standard Time, Monday through Friday.

• The Senior Credit Underwriter is responsible for leading complex credit underwriting activities while serving as a trusted advisor to the Chief Lending Officer. This role provides expertise in Non-QM mortgage lending, evaluates complex borrower scenarios, structures credit solutions, and supports sound lending decisions that balance risk and business objectives.
• In addition to underwriting, the role oversees underwriting teams, mentors junior underwriters, drives process improvements, and collaborates cross-functionally to improve credit quality, operational efficiency, and funded loan volume.

• Act as the Chief Lending Officer's 'right hand' trusted advisor
• Perform early credit assessments ("shift-left") before processing is complete
• Rework denied loans into approvable structures where possible
• Recommend counteroffers that reduce risk while preserving profitability
• Identify compensating factors to strengthen borderline files
• Consult with Sales on structuring loans before submission
• Participate in daily pipeline review meetings
• Assist in developing underwriting guidelines and SOPs
• Analyze trends in denials and fallout to recommend policy or process changes
• Support automation efforts by documenting underwriting decision logic
• Serve as the subject matter expert for complex borrower scenarios

• Bachelor's or Associate's degree

• 10+ years of progressive underwriting experience in non-QM mortgage lending.

Please ensure you met all of the following before applying:

• 10+ years of progressive underwriting experience in Non-QM residential mortgage lending
• Proven expertise in credit analysis, risk assessment, and loan structuring, with the ability to evaluate complex borrower scenarios and develop viable lending solutions
• Strong knowledge of Non-QM loan products, including DSCR, Bank Statement, Asset Depletion, Foreign National, ITIN, and other alternative documentation programs
• Experience interpreting credit policies, underwriting guidelines, and applicable mortgage regulations (e.g., ATR/QM, TRID, RESPA, TILA), with the ability to make sound, consistent credit decisions.

• Stable, reliable internet connection
• Professional and dedicated remote working setup

• Non QM residential mortgage lending / MCA lending

• Critical Thinking
  - Evaluates complex borrower scenarios, weighs risk objectively, and makes sound credit decisions based on facts rather than assumptions
• Analytical Mindset
  - Identifies trends, assesses layered risk, and connects multiple data points to determine overall creditworthiness
• Sound Judgment
  - Balances prudent risk management with business objectives, knowing…