Underwriter - Mortgage Lending

Responsibilities

• Review and underwrite non-QM loan files across DSCR, RTL, and consumer products, including income, assets, credit, and collateral.
• Make clear, well-documented credit decisions in line with company guidelines.
• Ensure loans are structured, underwritten, and conditioned in line with credit policy and investor requirements.
• Maintain high file quality to support clean submissions and efficient execution.
• Issue clear and actionable conditions, manage pipeline effectively, and ensure timely re-review and decisioning.
• Collaborate with Investors to understand and articulate Investor guidelines, and negotiate condition and document acceptance.
• Evaluate and document exceptions within established guidelines, ensuring disciplined and well-supported credit decisions.
• Maintain high standards of accuracy and ensure all underwriting decisions comply with internal policies and applicable regulations.
• Work closely with Loan Officers, processors, and operations to resolve issues, move files efficiently, and improve overall workflow.

Qualifications

• 3–7 years of mortgage underwriting experience, preferably in non-QM or investor lending.
• Experience with DSCR, bridge/RTL, or similar non-agency products.
• Strong understanding of credit risk, income analysis, and loan structuring.
• Familiarity with LOS systems and underwriting workflows.
• Ability to manage a high-volume pipeline while maintaining quality and consistency.
• Strong attention to detail and sound credit judgment.