Non-QM Underwriter

RemoteRemotemid

OperationsNon

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Quick Summary

Overview

WHO WE ARE We are committed to a supportive, diverse, and inclusive culture, living our values of Rigor, Ownership, Curiosity, Kindness,

Technical Tools

OperationsNon

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!

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

Responsibilities

~1 min read

→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

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

What We Offer

~1 min read

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.