Non-QM Underwriter
for each heading. Use - for any list of duties/requirements/benefits. Use
for prose. Do NOT repeat job title as heading. Do NOT put Job ID/requisition numbers as headings. Remove boilerplate: cookie/navigation/legal/EEO/equal-opportunity/scam-warning, duplicated lines, application instructions. Also remove "How Jobgether Works", "Why Apply Through Jobgether?" etc. Also remove "Benefits" section? Actually we need Benefits section only if posting has real specific content. The posting includes "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. Flexible work hours. Vacation time. Opportunity to contribute to an agile team working to transform the mortgage industry. Supportive, diverse, and inclusive work environment. Collaborative culture centered around rigor, ownership, curiosity, kindness, and accountability." So we have benefits content. Also Pay: compensation range is given; we could put Pay section with that range. Schedule: maybe flexible work hours? The posting mentions "Flexible work hours." That could be schedule. So we can have Pay and Schedule sections.
We need to include sections only when posting has real specific content. So we will include About the role (prose), Responsibilities (list), Requirements (list), maybe Qualifications? The posting has "Requirements" heading already. It also has "Accountabilities" which could be responsibilities. We'll treat "Accountabilities" as Responsibilities. Also there is a "Requirements" section with bullet-like sentences. We'll turn those into list items.
We also have "Benefits" section. We'll include Benefits.
Pay: we can extract compensation range.
Schedule: flexible work hours.
We must not invent or summarize away detail. Must preserve all substantive information. So we need to include all details from the posting, but we can format them.
We need to avoid duplication. The posting includes some repeated sentences? Let's parse.
Original text:
"This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Non-QM Underwriter based in the United States. This role is responsible for evaluating complex Non-QM mortgage transactions with a strong focus on credit quality, compliance, and risk management. You’ll review borrower profiles, income documentation, collateral, title, appraisals, and other supporting documentation to determine loan eligibility. The position requires advanced judgment when working with self-employed borrowers, alternative income sources, complex properties, and non-standard loan scenarios. You’ll manage a high-volume pipeline while maintaining accuracy, quality standards, and contractual turnaround times. Close collaboration with processors, loan officers, account managers, clients, and internal teams will be essential to moving files efficiently toward final approval. You’ll work in a fast-paced environment where independent decision-making, regulatory knowledge, and attention to detail are highly valued. The role also provides opportunities to mentor peers and contribute to a supportive, collaborative, and inclusive team culture."
Then "Accountabilities As a Non-QM Underwriter, you will conduct comprehensive credit and collateral reviews, assess complex borrower situations, and ensure loans meet applicable client, investor, regulatory, and internal requirements. Review loan files thoroughly to identify deficiencies, risks, and issues and determine appropriate underwriting decisions.Manually calculate income across Non-QM programs, including complex self-employed borrowers, layered income sources, and variable cash flow.Analyze alternative income documentation such as DSCR, 1099 income, asset utilization, asset depletion, 12- and 24-month bank statements, tax returns, VOE, P&L statements, and rental income.Review W-2, overtime, bonus, commission, retirement, Social Security, alimony, child support, and other applicable income sources.Analyze complex and high-page-count tax returns and perform REO analysis.Review title documentation to ensure clear title at closing.Review trust, LLC, and corporation documentation as part of the underwriting process.Review condominium documentation for both warrantable and non-warrantable projects, including new construction, in accordance with applicable client and investor requirements.Complete comprehensive reviews and sign-offs of appraisals, SSRs, CUs, LCAs, and CDAs.Accurately analyze AUS results from Fannie Mae and Freddie Mac systems.Evaluate Non-QM applications for compliance with client and investor guidelines, overlays, company policies, and applicable regulations.Read, interpret, and apply multiple sets of client and investor underwriting guidelines.Identify and mitigate potential risks associated with Non-QM transactions.Provide concise and accurate loan conditions and clear outstanding conditions while meeting required turnaround times.Meet contractual turn times for initial, resubmission, and clear-to-close reviews without compromising quality.Communicate professionally with processors, loan officers, client account managers, and other stakeholders by phone, email, or client portals to move files toward final approval.Maintain accurate data within the loan origination system.Support multiple loans for individual borrowers, including situations involving up to ten loans for a single borrower.Maintain acceptable quality-control and post-closing error metrics.Train and mentor peers and contribute to knowledge sharing across the underwriting team."
Then "Requirements The ideal candidate brings extensive hands-on Non-QM underwriting experience, strong regulatory knowledge, advanced analytical capabilities, and the ability to make sound independent decisions in a high-volume environment. 5+ years of recent, hands-on Non-QM underwriting experience.Recent experience underwriting Non-QM loan programs in a high-volume environment while consistently maintaining quality, accuracy, and SLA performance.Thorough knowledge of current Non-QM regulations and borrower profiles, income structures, and documentation requirements.Strong understanding of federal and state mortgage banking laws and regulations, including TILA, ECOA, and RESPA.Full understanding of current Fannie Mae and Freddie Mac underwriting guidelines.Expert knowledge of AUS results and the ability to accurately interpret automated underwriting findings.Strong experience reviewing title documentation, appraisals, SSRs, CDAs, and complex or unique property types.Experience reviewing warrantable and non-warrantable condominium projects, including new construction.Strong knowledge of trust, LLC, and corporation documentation.Demonstrated ability to calculate full and alternative income documentation methods across a wide range of borrower scenarios.Experience with Non-QM loan origination systems and related underwriting software.Exceptional organizational, analytical, critical-thinking, and problem-solving skills.Strong customer service and communication skills, with the ability to work effectively with internal and external stakeholders.Ability to make independent underwriting decisions and manage complex files with minimal supervision.Ability to prioritize and manage multiple tasks in a fast-paced environment.Strong attention to detail and commitment to accuracy, compliance, and quality.Ability to work effectively both independently and as part of a collaborative team.Proactive, accountable, curious, and adaptable approach to work."
Then "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.Flexible work hours.Vacation time.Opportunity to contribute to an agile team working to transform the mortgage industry.Supportive, diverse, and inclusive work environment.Collaborative culture centered around rigor, ownership, curiosity, kindness, and accountability."
Then the rest about Jobgether etc which we need to remove.
Thus we need to produce sections:
- About the role: prose from first paragraph(s) before Accountabilities. Probably combine the first paragraph(s) into a
.
- Responsibilities: list from Accountabilities bullet points. Each sentence separated by periods but no explicit bullet. We'll split into list items.
- Requirements: list from Requirements section.
- Benefits: list from Benefits section.
- Pay: maybe separate section for compensation range. Could be part of Benefits but we need Pay section if posting actually states them. The posting states compensation range; we can put Pay section with that range.
- Schedule: flexible work hours.
We must not create sections with filler like "commensurate with experience". We have actual content.
We need to ensure we don't duplicate content: compensation range appears also in Benefits; we should not duplicate. We'll put compensation range in Pay section, and maybe keep other benefits in Benefits section excluding compensation range. But the Benefits section currently includes compensation range as first item. We could split: Pay: compensation range; Benefits: other items (meaningful equity opportunity, competitive compensation, top-tier medical insurance, dental insurance, vision insurance, flexible work hours, vacation time, opportunity to contribute..., supportive diverse inclusive work environment, collaborative culture...). However "competitive compensation" is vague; but it's in the posting. We'll keep it.
Schedule: flexible work hours (maybe also mention flexible work hours). We'll put schedule section with that.
We must not repeat same info in multiple sections? The instruction: "Preserve ALL substantive information; do NOT invent or summarize away detail." It doesn't forbid duplication but better to avoid duplication. However if we split, we need to ensure we keep all info. We'll put compensation range in Pay, and keep "competitive compensation" in Benefits (though it's similar). Might be okay.
Alternatively we could keep compensation range only in Benefits and not create Pay section. But the instruction says: "never create Pay/Schedule/Benefits sections unless the posting actually states them." It does not forbid having both Pay and Benefits sections if posting states them. The posting states compensation range (Pay) and also benefits. So we can have both.
We need to decide what goes where.
Let's extract:
Pay: "Compensation range of $36.06–$38.46 per hour, depending on experience."
Schedule: "Flexible work hours."
Benefits: "Meaningful equity opportunity. Competitive compensation. Top-tier medical insurance. Dental insurance. Vision insurance. Vacation time. Opportunity to contribute to an agile team working to transform the mortgage industry. Supportive, diverse, and inclusive work environment. Collaborative culture centered around rigor, ownership, curiosity, kindness, and accountability."
We could also include "Competitive compensation" in Benefits but it's somewhat redundant with Pay. But it's in the posting; we should keep it.
Now we need to format lists.
For Responsibilities: we need to split the long paragraph into items. Let's identify each responsibility sentence:
- conduct comprehensive credit and collateral reviews
- assess complex borrower situations
- ensure loans meet applicable client, investor, regulatory, and internal requirements
- review loan files thoroughly to identify deficiencies, risks, and issues and determine appropriate underwriting decisions
- manually calculate income across Non-QM programs, including complex self-employed borrowers, layered income sources, and variable cash flow
- analyze alternative income documentation such as DSCR, 1099 income, asset utilization, asset depletion, 12- and 24-month bank statements, tax returns, VOE, P&L statements, and rental income
- review W-2, overtime, bonus, commission, retirement, Social Security, alimony, child support, and other applicable income sources
- analyze complex and high-page-count tax returns and perform REO analysis
- review title documentation to ensure clear title at closing
- review trust, LLC, and corporation documentation as part of the underwriting process
- review condominium documentation for both warrantable and non-warrantable projects, including new construction, in accordance with applicable client and investor requirements
- complete comprehensive reviews and sign-offs of appraisals, SSRs, CUs, LCAs, and CDAs
- accurately analyze AUS results from Fannie Mae and Freddie Mac systems
- evaluate Non-QM applications for compliance with client and investor guidelines, overlays, company policies, and applicable regulations
- read, interpret, and apply multiple sets of client and investor underwriting guidelines
- identify and mitigate potential risks associated with Non-QM transactions
- provide concise and accurate loan conditions and clear outstanding conditions while meeting required turnaround times
- meet contractual turn times
for prose. Do NOT repeat job title as heading. Do NOT put Job ID/requisition numbers as headings. Remove boilerplate: cookie/navigation/legal/EEO/equal-opportunity/scam-warning, duplicated lines, application instructions. Also remove "How Jobgether Works", "Why Apply Through Jobgether?" etc. Also remove "Benefits" section? Actually we need Benefits section only if posting has real specific content. The posting includes "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. Flexible work hours. Vacation time. Opportunity to contribute to an agile team working to transform the mortgage industry. Supportive, diverse, and inclusive work environment. Collaborative culture centered around rigor, ownership, curiosity, kindness, and accountability." So we have benefits content. Also Pay: compensation range is given; we could put Pay section with that range. Schedule: maybe flexible work hours? The posting mentions "Flexible work hours." That could be schedule. So we can have Pay and Schedule sections. We need to include sections only when posting has real specific content. So we will include About the role (prose), Responsibilities (list), Requirements (list), maybe Qualifications? The posting has "Requirements" heading already. It also has "Accountabilities" which could be responsibilities. We'll treat "Accountabilities" as Responsibilities. Also there is a "Requirements" section with bullet-like sentences. We'll turn those into list items. We also have "Benefits" section. We'll include Benefits. Pay: we can extract compensation range. Schedule: flexible work hours. We must not invent or summarize away detail. Must preserve all substantive information. So we need to include all details from the posting, but we can format them. We need to avoid duplication. The posting includes some repeated sentences? Let's parse. Original text: "This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Non-QM Underwriter based in the United States. This role is responsible for evaluating complex Non-QM mortgage transactions with a strong focus on credit quality, compliance, and risk management. You’ll review borrower profiles, income documentation, collateral, title, appraisals, and other supporting documentation to determine loan eligibility. The position requires advanced judgment when working with self-employed borrowers, alternative income sources, complex properties, and non-standard loan scenarios. You’ll manage a high-volume pipeline while maintaining accuracy, quality standards, and contractual turnaround times. Close collaboration with processors, loan officers, account managers, clients, and internal teams will be essential to moving files efficiently toward final approval. You’ll work in a fast-paced environment where independent decision-making, regulatory knowledge, and attention to detail are highly valued. The role also provides opportunities to mentor peers and contribute to a supportive, collaborative, and inclusive team culture." Then "Accountabilities As a Non-QM Underwriter, you will conduct comprehensive credit and collateral reviews, assess complex borrower situations, and ensure loans meet applicable client, investor, regulatory, and internal requirements. Review loan files thoroughly to identify deficiencies, risks, and issues and determine appropriate underwriting decisions.Manually calculate income across Non-QM programs, including complex self-employed borrowers, layered income sources, and variable cash flow.Analyze alternative income documentation such as DSCR, 1099 income, asset utilization, asset depletion, 12- and 24-month bank statements, tax returns, VOE, P&L statements, and rental income.Review W-2, overtime, bonus, commission, retirement, Social Security, alimony, child support, and other applicable income sources.Analyze complex and high-page-count tax returns and perform REO analysis.Review title documentation to ensure clear title at closing.Review trust, LLC, and corporation documentation as part of the underwriting process.Review condominium documentation for both warrantable and non-warrantable projects, including new construction, in accordance with applicable client and investor requirements.Complete comprehensive reviews and sign-offs of appraisals, SSRs, CUs, LCAs, and CDAs.Accurately analyze AUS results from Fannie Mae and Freddie Mac systems.Evaluate Non-QM applications for compliance with client and investor guidelines, overlays, company policies, and applicable regulations.Read, interpret, and apply multiple sets of client and investor underwriting guidelines.Identify and mitigate potential risks associated with Non-QM transactions.Provide concise and accurate loan conditions and clear outstanding conditions while meeting required turnaround times.Meet contractual turn times for initial, resubmission, and clear-to-close reviews without compromising quality.Communicate professionally with processors, loan officers, client account managers, and other stakeholders by phone, email, or client portals to move files toward final approval.Maintain accurate data within the loan origination system.Support multiple loans for individual borrowers, including situations involving up to ten loans for a single borrower.Maintain acceptable quality-control and post-closing error metrics.Train and mentor peers and contribute to knowledge sharing across the underwriting team." Then "Requirements The ideal candidate brings extensive hands-on Non-QM underwriting experience, strong regulatory knowledge, advanced analytical capabilities, and the ability to make sound independent decisions in a high-volume environment. 5+ years of recent, hands-on Non-QM underwriting experience.Recent experience underwriting Non-QM loan programs in a high-volume environment while consistently maintaining quality, accuracy, and SLA performance.Thorough knowledge of current Non-QM regulations and borrower profiles, income structures, and documentation requirements.Strong understanding of federal and state mortgage banking laws and regulations, including TILA, ECOA, and RESPA.Full understanding of current Fannie Mae and Freddie Mac underwriting guidelines.Expert knowledge of AUS results and the ability to accurately interpret automated underwriting findings.Strong experience reviewing title documentation, appraisals, SSRs, CDAs, and complex or unique property types.Experience reviewing warrantable and non-warrantable condominium projects, including new construction.Strong knowledge of trust, LLC, and corporation documentation.Demonstrated ability to calculate full and alternative income documentation methods across a wide range of borrower scenarios.Experience with Non-QM loan origination systems and related underwriting software.Exceptional organizational, analytical, critical-thinking, and problem-solving skills.Strong customer service and communication skills, with the ability to work effectively with internal and external stakeholders.Ability to make independent underwriting decisions and manage complex files with minimal supervision.Ability to prioritize and manage multiple tasks in a fast-paced environment.Strong attention to detail and commitment to accuracy, compliance, and quality.Ability to work effectively both independently and as part of a collaborative team.Proactive, accountable, curious, and adaptable approach to work." Then "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.Flexible work hours.Vacation time.Opportunity to contribute to an agile team working to transform the mortgage industry.Supportive, diverse, and inclusive work environment.Collaborative culture centered around rigor, ownership, curiosity, kindness, and accountability." Then the rest about Jobgether etc which we need to remove. Thus we need to produce sections: - About the role: prose from first paragraph(s) before Accountabilities. Probably combine the first paragraph(s) into a
. - Responsibilities: list from Accountabilities bullet points. Each sentence separated by periods but no explicit bullet. We'll split into list items. - Requirements: list from Requirements section. - Benefits: list from Benefits section. - Pay: maybe separate section for compensation range. Could be part of Benefits but we need Pay section if posting actually states them. The posting states compensation range; we can put Pay section with that range. - Schedule: flexible work hours. We must not create sections with filler like "commensurate with experience". We have actual content. We need to ensure we don't duplicate content: compensation range appears also in Benefits; we should not duplicate. We'll put compensation range in Pay section, and maybe keep other benefits in Benefits section excluding compensation range. But the Benefits section currently includes compensation range as first item. We could split: Pay: compensation range; Benefits: other items (meaningful equity opportunity, competitive compensation, top-tier medical insurance, dental insurance, vision insurance, flexible work hours, vacation time, opportunity to contribute..., supportive diverse inclusive work environment, collaborative culture...). However "competitive compensation" is vague; but it's in the posting. We'll keep it. Schedule: flexible work hours (maybe also mention flexible work hours). We'll put schedule section with that. We must not repeat same info in multiple sections? The instruction: "Preserve ALL substantive information; do NOT invent or summarize away detail." It doesn't forbid duplication but better to avoid duplication. However if we split, we need to ensure we keep all info. We'll put compensation range in Pay, and keep "competitive compensation" in Benefits (though it's similar). Might be okay. Alternatively we could keep compensation range only in Benefits and not create Pay section. But the instruction says: "never create Pay/Schedule/Benefits sections unless the posting actually states them." It does not forbid having both Pay and Benefits sections if posting states them. The posting states compensation range (Pay) and also benefits. So we can have both. We need to decide what goes where. Let's extract: Pay: "Compensation range of $36.06–$38.46 per hour, depending on experience." Schedule: "Flexible work hours." Benefits: "Meaningful equity opportunity. Competitive compensation. Top-tier medical insurance. Dental insurance. Vision insurance. Vacation time. Opportunity to contribute to an agile team working to transform the mortgage industry. Supportive, diverse, and inclusive work environment. Collaborative culture centered around rigor, ownership, curiosity, kindness, and accountability." We could also include "Competitive compensation" in Benefits but it's somewhat redundant with Pay. But it's in the posting; we should keep it. Now we need to format lists. For Responsibilities: we need to split the long paragraph into items. Let's identify each responsibility sentence: - conduct comprehensive credit and collateral reviews - assess complex borrower situations - ensure loans meet applicable client, investor, regulatory, and internal requirements - review loan files thoroughly to identify deficiencies, risks, and issues and determine appropriate underwriting decisions - manually calculate income across Non-QM programs, including complex self-employed borrowers, layered income sources, and variable cash flow - analyze alternative income documentation such as DSCR, 1099 income, asset utilization, asset depletion, 12- and 24-month bank statements, tax returns, VOE, P&L statements, and rental income - review W-2, overtime, bonus, commission, retirement, Social Security, alimony, child support, and other applicable income sources - analyze complex and high-page-count tax returns and perform REO analysis - review title documentation to ensure clear title at closing - review trust, LLC, and corporation documentation as part of the underwriting process - review condominium documentation for both warrantable and non-warrantable projects, including new construction, in accordance with applicable client and investor requirements - complete comprehensive reviews and sign-offs of appraisals, SSRs, CUs, LCAs, and CDAs - accurately analyze AUS results from Fannie Mae and Freddie Mac systems - evaluate Non-QM applications for compliance with client and investor guidelines, overlays, company policies, and applicable regulations - read, interpret, and apply multiple sets of client and investor underwriting guidelines - identify and mitigate potential risks associated with Non-QM transactions - provide concise and accurate loan conditions and clear outstanding conditions while meeting required turnaround times - meet contractual turn times