Applicant - Mortgage

📋 Description

• Review and underwrite residential mortgage loan applications, including Conventional, Non-QM, and
• Analyze borrower credit profiles, income, assets, employment history, financial stability, and
• Evaluate alternative documentation loan programs, including bank statement, asset depletion, ITIN
• Calculate and assess Debt Service Coverage Ratios (DSCR) and perform complex income and risk
• Ensure compliance with agency, investor, company, federal, and state lending guidelines, including
• Perform manual underwriting when required and evaluate exception requests within established risk

🎯 Requirements

• Bachelor's degree in Finance, Business Administration, Economics, or a related field preferred
• Minimum 2–5 years of mortgage underwriting experience, including Conventional and/or Non-QM loan
• Strong knowledge of Conventional underwriting guidelines, including Fannie Mae and Freddie Mac
• Experience underwriting Non-QM products, including DSCR and alternative documentation loans
• Thorough understanding of mortgage lending regulations and compliance requirements.
• Proficiency with Loan Origination Systems (LOS), Automated Underwriting Systems (AUS), including DU

🎁 Benefits

• Full-time position with 6 months of Work-from-Office (WFO), followed by a transition to
• Requires management of multiple loan files and deadlines simultaneously.
• Frequent collaboration with loan officers, processors, account executives, operations teams
• Immediate joiner
• US Rotational Night Shifts