Non-QM Mortgage Underwriter (East Coast)

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Underwrite complex Non-QM loan files in accordance with multiple investor guidelines.
• Underwrite Non-QM, Jumbo, Portfolio, and other manually underwritten loan products.
• Analyze borrower creditworthiness, income, assets, collateral, and overall loan eligibility.
• Communicate regularly with Processors and Loan Officers regarding loan status, conditions, and underwriting decisions using current technology platforms.
• Review and re-evaluate loan files as conditions are cleared and new information is received while maintaining file integrity and workflow priorities.
• Maintain a current working knowledge of loan products, investor guidelines, and underwriting requirements.
• Document loan decisions and maintain detailed conversation logs in BYTE to accurately track file progression.
• Support training and knowledge-sharing initiatives for other mortgage operations team members as needed.
• Aid in ad hoc reporting and special projects as assigned.

Qualifications And Experience

• Minimum of five (5) years of manual mortgage underwriting experience.
• Recent Non-QM underwriting experience within the last 12–24 months is required.
• Experience underwriting Jumbo and Portfolio loan products preferred.
• Demonstrated proficiency with Desktop Underwriter (DU) and Loan Product Advisor (LP).
• Ability to accurately interpret DU and LP findings and clearly communicate and document underwriting decisions.
• Intermediate proficiency with Microsoft Word, Excel, and Outlook.
• Ability to thrive in a fast-paced, high-volume environment.
• Strong communication, interpersonal, analytical, and organizational skills.
• High level of integrity, professionalism, and confidentiality.
• Self-motivated, dependable, and able to manage priorities while meeting established deadlines.
• Strong critical thinking, problem-solving, and decision-making abilities.