Senior Mortgage Underwriter (Non-QM Focus)

About the role

This role is ideal for underwriters with a strong Non-QM background who enjoy complex credit analysis, thoughtful decision-making, and working with experienced mortgage professionals in a collaborative environment.

Responsibilities

• Underwrite Non-QM loan products including DSCR, bank statement, asset utilization, and alternative income programs
• Analyze borrower creditworthiness, income, assets, liabilities, and overall risk profiles
• Evaluate appraisals, collateral risk, marketability, and property characteristics
• Ensure loans meet investor guidelines, internal credit standards, and regulatory requirements
• Issue clear and well-supported underwriting decisions and conditions
• Communicate effectively with processors, loan officers, and management regarding loan structure and credit concerns
• Provide scenario guidance and product support to internal teams
• Maintain quality, accuracy, and service level expectations
• Stay current on investor guidelines, overlays, and regulatory changes
• Assist with training and mentoring less experienced underwriting staff as needed

Requirements

• 3+ years of recent mortgage underwriting experience
• Demonstrated experience underwriting Non-QM products, including DSCR + bank statement programs
• Agency underwriting experience, including Conventional, FHA, VA, and USDA loans preferred
• Experience evaluating complex self-employed borrower income
• Strong appraisal review and collateral analysis experience
• Encompass experience required
• Solid understanding of federal and state mortgage regulations, including TILA, RESPA, and Fair Lending requirements
• Strong analytical, problem-solving, and decision-making skills
• Excellent written and verbal communication skills
• Professional demeanor aligned with a high-touch client and referral partner experience
• Ability to perform successfully in an in-office, hybrid, or remote environment with clear accountability and performance expectations