Non-QM Underwriter

• 3–5 years of hands-on Non-QM mortgage underwriting experience.

• Strong working knowledge of Non-QM investor guidelines, bank-statement programs and alternative income documentation.

• Experience evaluating complex borrower scenarios and making independent underwriting decisions within established guidelines and approval authority.

• Deep knowledge of federal and state laws (e.g., TRID, TILA, ECOA and HMDA).

• Sound technical skills with the aptitude to learn/navigate loan origination software and other technologies.

• Able to write correspondence and to effectively present information to peers, borrowers and in some cases clients.

• Able to read and interpret various loan documents such as promissory notes, agency/investor and legal directives and other loan documents.

• Able to define problems, collect data, establish facts and provide information to resolve the situation.

• Able to work well under pressure and meet multiple and sometimes competing deadlines.

• Able to apply basic math; calculate figures and amounts such as discounts, interest, commissions and percentages.

• Basic computer skills required: word processing, email, and mortgage software.

• Conventional/QM underwriting experience and working knowledge of FNMA and FHLMC guidelines.

• Jumbo underwriting experience.

• Builder-affiliated mortgage lending experience.

• 2–3 years of Encompass Loan Origination System experience.

• Microsoft Excel proficiency.

• Facilitate an excellent working relationship with internal and external customers by developing and maintaining respect, communicating effectively and providing excellent customer service.

• Maintain a high level of integrity, confidentiality, and trust.

• Effectively problem solve by using judgment based upon knowledge of existing management policies and departmental practices and procedures.

• Meet established productivity, loan quality and task management standards.

• Ensure confidentiality of client records.

• Demonstrate a commitment to the Company Culture.

• Respond to phone calls and emails within the same workday.

• Able to navigate a standard office environment (remotely and/or in office).

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