Non-QM Underwriter

📋 Description

• Review loan files thoroughly to identify deficiencies, risks, and issues and determine appropriate
• Manually calculate income across Non-QM programs, including complex self-employed borrowers
• Analyze alternative income documentation such as DSCR, 1099 income, asset utilization, asset
• Review W-2, overtime, bonus, commission, retirement, Social Security, alimony, child support, and
• Analyze complex and high-page-count tax returns and perform REO analysis.
• Review title documentation to ensure clear title at closing.

🎯 Requirements

• 5+ years of recent, hands-on Non-QM underwriting experience.
• Recent experience underwriting Non-QM loan programs in a high-volume environment while consistently
• Thorough knowledge of current Non-QM regulations and borrower profiles, income structures, and
• Strong understanding of federal and state mortgage banking laws and regulations, including TILA
• Full understanding of current Fannie Mae and Freddie Mac underwriting guidelines.
• Expert knowledge of AUS results and the ability to accurately interpret automated underwriting

🎁 Benefits

• Compensation range of $36.06–$38.46 per hour, depending on experience.
• Meaningful equity opportunity.
• Competitive compensation.
• Top-tier medical insurance.
• Dental insurance.
• Vision insurance.