Non-QM Mortgage Underwriter (East Coast)

CMG Home Loans is seeking experienced Non-QM Underwriters to support our Eastern and Central Time Zone branches. This role is responsible for evaluating and underwriting complex mortgage loan applications in accordance with company policies, investor guidelines, and regulatory requirements. The Underwriter plays a critical role in making sound credit decisions that protect the financial and operational interests of the company.

Important: We are only considering candidates with recent, hands-on Non-QM underwriting experience within the last 12–24 months.

ESSENTIAL DUTIES AND RESPONSIBILITIES, includes the following responsibilities but not limited to:

• Underwrite complex Non-QM loan files in accordance with multiple investor guidelines.
• Underwrite Non-QM, Jumbo, Portfolio, and other manually underwritten loan products.
• Analyze borrower creditworthiness, income, assets, collateral, and overall loan eligibility.
• Communicate regularly with Processors and Loan Officers regarding loan status, conditions, and underwriting decisions using current technology platforms.
• Review and re-evaluate loan files as conditions are cleared and new information is received while maintaining file integrity and workflow priorities.
• Maintain a current working knowledge of loan products, investor guidelines, and underwriting requirements.
• Document loan decisions and maintain detailed conversation logs in BYTE to accurately track file progression.
• Support training and knowledge-sharing initiatives for other mortgage operations team members as needed.
• Assist with ad hoc reporting and special projects.
• Perform other duties as assigned. 

QUALIFICATIONS AND EXPERIENCE:

• Minimum of five (5) years of manual mortgage underwriting experience.
• Recent Non-QM underwriting experience within the last 12–24 months is required.
• Experience underwriting Jumbo and Portfolio loan products preferred.
• Demonstrated proficiency with Desktop Underwriter (DU) and Loan Product Advisor (LP).
• Ability to accurately interpret DU and LP findings and clearly communicate and document underwriting decisions.
• Intermediate proficiency with Microsoft Word, Excel, and Outlook.
• Ability to thrive in a fast-paced, high-volume environment.
• Strong communication, interpersonal, analytical, and organizational skills.
• High level of integrity, professionalism, and confidentiality.
• Self-motivated, dependable, and able to manage priorities while meeting established deadlines.
• Strong critical thinking, problem-solving, and decision-making abilities. 

SUPERVISORY RESPONSIBILITIES: Direct Reports: N/A

PHYSICAL and ENVIRONMENTAL CONDITIONS:

This role operates in an ADA compliant office environment, utilizing typical office equipment and tasks including computer work. The position may involve partial stationary positions and moving throughout the day. Flexibility to work overtime to meet project deadlines is required.

Base Compensation Information – For residents of the states of CA & CO, and NY + other areas requiring disclosure:

CMG pays a competitive base which ranges from $90,000 - $105,000+ as well as per file bonus and OT as needed. Factors that affect base salary may include: Underwriter experience including Non-QM/Jumbo/Portfolio loans, overall knowledge, number of years underwriting worked in mortgage industry, types of roles performed, computer skills, experience specific to working with mortgage lenders, and education.