Senior Credit Underwriter

About World Business Lenders

• 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.

• 10+ years
  of progressive underwriting experience in Non-QM residential mortgage lending.
• Proven expertise in c
  redit 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 when to approve, restructure, or decline a loan.
• Problem Solving – Finds creative, policy-compliant solutions to structure challenging loans instead of defaulting to denial.
• Attention to Detail – Thoroughly reviews financials, documentation, and loan files to identify inconsistencies, omissions, or potential risks.
• Communication – Clearly explains underwriting decisions, credit rationale, and conditions to Sales, Processing, and leadership.
• Collaboration – Partners effectively with Sales, Processing, Valuation, Legal,…