Non-QM Underwriter

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Overview

Mortgage Non-QM Underwriter About EPM Founded in 2008, EPM is one of the leading wholesale mortgage lenders in the U.S. Headquartered in Atlanta, GA, and licensed in all 50 states,

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Founded in 2008, EPM is one of the leading wholesale mortgage lenders in the U.S. Headquartered in Atlanta, GA, and licensed in all 50 states, we offer a full range of loan products — including conventional, FHA, VA, non-QM, renovation, and USDA.

Our vision is to live in a world where everyone has the opportunity for The American Gift. Our goal is not only to facilitate homeownership but also to empower individuals and families through informed financial decisions.

EPM is growing, and we are seeking a Non-QM Underwriter to join our team. You’ll be responsible for analyzing and underwriting residential mortgage loans that fall outside traditional agency guidelines and issuing clear, well-supported underwriting decisions. The ideal candidate is detail-oriented, highly analytical, and thrives in a fast-paced, high-volume environment. If this sounds like you, apply today!

Review and underwrite Non-QM loans including Bank Statement, 1099, DSCR, Full Doc, and Self-Employed borrower profiles.

Analyze complex income documentation including personal and business tax returns and bank statements.

Evaluate credit, income, and collateral to determine loan eligibility.

Issue clear underwriting decisions and communicate required conditions effectively.

Work closely with brokers and internal teams to clarify documentation and guidelines.

Ensure compliance with all regulatory and company standards.

Additional responsibilities related to business needs.

High school diploma required; college degree preferred.

3+ years of mortgage underwriting experience required.

Recent experience in Non-QM and wholesale underwriting required.

Knowledge of Non-QM, Jumbo, and residential loan products.

Strong understanding of income analysis, compliance regulations, and appraisal review.

Proficiency with Encompass LOS and AUS systems preferred.

Excellent communication, decision-making, and organizational skills.

Technologically savvy and adaptable to fast-paced environments.

EPM is an equal opportunity employer committed to creating an inclusive environment for all employees. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected characteristic. 

Candidate Acknowledgment Statement

By clicking "Apply for this Job," I acknowledge that I have reviewed, understand, and agree to the terms outlined in the linked EPM Legal Statement and Application Addendum.