Non-QM Underwriter

WHO WE ARE

We are committed to a supportive, diverse, and inclusive culture, living our values of Rigor, Ownership, Curiosity, Kindness, and "Straight Up" to promote equality and financial empowerment. Intrigued? Say hello!

WHO YOU ARE

• Excellent analytical & communication skills


• Must be conversant with Non-QM regulations


• Ability to work in a fast-paced multi-tasked environment


• Thorough knowledge of federal and state laws pertaining to the mortgage banking industry (i.e.: TILA, ECOA, RESPA, etc.)


• Strong appraisal review skills


• Great organizational and customer service skills


• Expert knowledge of AUS systems (DU, LP)


• Ability to underwrite/review complex purchase and refinance transactions


• Ability to work independently as well as part of a team


• A full understanding of recent FNMA/FHLMC underwriting guidelines is required


• Experience with Non-QM loan products and guidelines


• Strong understanding of Non-QM borrower profiles and documentation requirements

WHAT YOU’LL BE DOING

• A thorough review of loan files to determine deficiencies and/or issues


• Concise and accurate conditioning of loan files


• Meet turn time objectives


• Analyze complex tax returns


• Communicate with the processor and LO in a positive manner in order to assist in moving files to closing as quickly as possible


• Concise and accurate input of data


• Run AUS and vendor software and analyze the results


• Complete a thoughtful and thorough review and sign off of appraisals


• Clear conditions as submitted while meeting turn-time objectives


• Maintain acceptable quality control metrics


• Ability to train and mentor peers


• Support and work on multiple loans to one borrower


• Proficient at client operating system


• Evaluate Non-QM loan applications to ensure compliance with investor guidelines and company policies


• Identify and mitigate potential risks associated with Non-QM loans

IDEALLY, YOU’LL HAVE

• 5+ years in Non-QM underwriting 


• Experience with Non-QM loan origination systems and software


• Knowledge of alternative income verification methods and asset utilization strategies

Compensation Range:  $36.06/hr - $38.46/hr depending on experience.

WHAT WE OFFER YOU

Here, you get an opportunity to be a vital part of an agile team of thinkers and doers collaborating to change a multi-trillion dollar industry. We offer meaningful equity, a competitive salary, top-tier medical, dental, and vision insurance, flexible work hours, and vacation time.