Non-QM Underwriter

Note to all Arizona Candidates: Please apply to the positions labeled "Arizona" on our Careers page. All candidates who wish to work out of Arizona must apply to the position specific to Arizona.

Responsibilities

• Timely underwriting of loan credit packages and appraisals for compliance with various investor and government agency guidelines.
• Contact with private investors and government agencies to resolve any issues or questions that may arise on loan files, programs, etc.
• Review and analyze income from both personal and corporate tax returns.
• Communicate decision on loans to appropriate parties both verbally and in writing.
• Analyze loan packages for any sign of fraudulent documentation or information.
• Work with Loan Originators to restructure questionable loans into a salable package.
• Remain informed of all government regulations, requirements and laws for both branch and broker submissions.
• Consult with the Processing and Closing departments to ensure that all underwriting conditions are met prior to closing the loan.
• Review and clear all underwriting conditions prior to closing.

Requirements

• 5 years Conventional front-line underwriting.
• 3 years manual underwriting (Jumbo, Non-QM, conventional, FHA) required.
• 2 years Non-QM underwriting experience required.
• Pass pre-hire assessment.
• Complete new hire training including underwriting of test cases and second level review of “live” loans.
• Knowledge of various investor guidelines and requirements.
• Minimum of 20 mbps download and 3 mbps upload internet bandwidth speeds are required for all remote positions.

Work Environment

• Will have to spend long hours sitting and using office equipment and computers, which can cause muscle and eye strain.
• Some travel is required.