Senior Underwriter

For our client, we are seeking a Senior Underwriter to join the team of a leader in the Real Estate & Construction space. This role will focus on the manual underwriting of complex mortgage transactions, with an emphasis on Non-QM lending, income analysis, and layered risk assessment. The position partners closely with internal teams, clients, and third-party vendors to evaluate eligibility, address credit and compliance concerns, and support sound lending decisions. The work also includes helping maintain underwriting standards and ensuring consistent adherence to investor and organizational guidelines. Location: Remote - US based candidates only, no visa sponsorship available Compensation: $110,000+ annually Responsibilities Manually underwrite mortgage loan transactions in accordance with company and investor guidelines Perform quality control audits of third-party vendors Review loan scenarios and communicate eligibility requirements to clients Collaborate with internal staff and third-party vendors throughout the review process Assist in resolving loan-level credit and compliance issues Prepare and disseminate updated underwriting standards and procedures Complete additional duties as requested by management Qualifications 5-7 years of recent Non-QM underwriting experience required Experience with HELOCs and 2nd mortgages preferred 15+ years of overall underwriting experience Ability to manually calculate income for complex self-employed borrowers Proficiency in Encompass for workflow management Strong understanding of Non-QM guidelines and risk layering Excellent communication and problem-solving skills Benefits Personalized Time Off for work-life balance Generous employer-matched 401(k) plan Opportunities for charitable initiatives through a philanthropy committee Comprehensive health insurance from day one Competitive maternity and paternity leave Team-building events and celebrations organized by a culture committee Encouragement of thought leadership and innovation Mentorship opportunities for career development Exclusive discounts on various services and products Our client is an equal opportunity employer. We encourage you to apply even if you don’t meet every qualification—your background could be exactly what this team needs.