Junior Non-QM Underwriter

• Pay or shift range: $31.73 USD to $38.46 USD
  The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons.

Founded in 2000, Plaza Home Mortgage, Inc. is a privately owned, full-service national lender, offering Wholesale, Correspondent, Renovation and Reverse residential mortgages. Headquartered in San Diego, California, Plaza employs a network of sales associates to serve its clients nationwide.
Plaza is dedicated to building quality, long-term relationships with its mortgage broker and correspondent clients by offering comprehensive programs and exceptional customer experience.

The Junior Non-QM Underwriter provides support to Plaza’s Non-QM Underwriting Team by performing pre-underwrite file scrubs, organizing and validating documentation, reviewing conditions, and assisting with underwriting preparation tasks. This role bridges administrative and analytical responsibilities—supporting Underwriters in clearing conditions, coordinating appraisal-related items, working Change of Circumstance (COC) requests, and assisting with exception documentation and processing.

Responsibilities and Duties:

• Perform detailed pre-underwrite file scrubs to ensure all required documents are accurate, complete, and properly indexed for underwriting review.
• Communicate with Account Executives (AEs), Client Service Representatives (CSRs), and clients to obtain missing or clarifying documentation as directed.
• Review and organize underwriting conditions to verify documentation matches the condition, removing duplicates and ensuring alignment prior to UW review.
• Order appraisal-related conditions and monitor receipt, corrections, or reissues on behalf of Underwriters.
• Work the Change of Circumstance (COC) Task Queue to review and process requests in accordance with Plaza policies.
• Assist the Underwriting Support Team with exception requests by identifying missing items, uploading documentation, and completing administrative steps for exception tracking.
• Assist Underwriters with managing high email volume by responding to messages forwarded from Underwriters for urgent or time-sensitive items, researching file details, and coordinating with internal partners as needed.
• Assist in clearing minor conditions on loan files when an assigned Underwriter is out of the office to ensure timely file movement.
• Run quality control tools (e.g., Fraud Guard, Early Check) and update system records to ensure data integrity.
• Complete required pre-closing or pipeline checklists and maintain a paperless file environment consistent with Plaza standards.
• Support special projects, reporting, or other tasks as directed by the Team Lead or Manager.
• Additional duties as assigned.

Qualifications:

• High school diploma or equivalent required; college degree preferred.
• Minimum of 2 years of mortgage experience, with exposure to underwriting or loan file review preferred
• Strong knowledge of Non-QM documentation including bank statements, self-employment, and asset-utilization programs.
• Exceptional attention to detail and organizational skills with the ability to prioritize multiple tasks and deadlines.
• Effective written and verbal communication; able to collaborate with Underwriters, Sales, and Operations teams.
• Proficiency in Microsoft Office (Word, Excel, Outlook) and familiarity with LOS and paperless imaging systems.
• Ability to analyze documentation, identify discrepancies, and ensure compliance with investor and internal guidelines.
• Demonstrated initiative, reliability, and commitment to supporting team goals in a fast-paced environment.

Compensation and Benefits:

Estimated Rate of Pay:

$31.73 - $38.46
This position is full-time; non-exempt.

In addition, Plaza offers a competitive benefits package; including medical/dental/vision, paid time off and holidays, 401(k), life and pet insurance. Plaza also offers additional benefits such as an employee friends and family loan and an employee assistance program that includes a variety of discounted services.

Plaza is an EEOC employer and follows all federal, state, and local laws…