****Job Category: Operations

Job Type: Full Time

Job Location: Remote

Key Responsibilities:

• Underwrite Non-QM and non-conforming jumbo loans, ensuring loans are compliant with company and investor guidelines
• Manage individual pipeline daily by completing new underwriting reviews, condition reviews and other underwriting tasks within established turn times
• Review and analyze borrower profiles, credit reports, title reports, income documentation and assets, appraisals, and complex business returns and financials
• Communicate with processing and sales to provide updates, clarification on outstanding conditions and deficiencies identified on loans, and to assist in interpreting underwriting guidelines
• Conduct an appraisal analysis to determine acceptable collateral standards are met.

Qualifications:

• Minimum 7 years overall underwriting experience / 3-4 years minimum Non-QM experience
• Ability to underwrite Non-QM and Non-Agency loan products, including but not limited to Bank Statement Income Analysis, Asset Depletion, DSCR No Ratio, Foreign National and Self-Employment.
• Ability to review & calculate complex personal and/or business financials and tax profiles.
• Perform mortgage credit analysis with or without the assistance of an automated underwriting system and ensure lending decisions follow company guidelines and policies.
• Demonstrated proficiency in basic computer applications, such as Microsoft Office software products and Encompass
• Exceptional organization skills and ability to multi-task and handle several priorities at once.
• Excellent analytic skills, attention to detail, and ability to work within time constraints
• Good communication skills, both verbal and written.