Job Description
Join our prestigious US-based mortgage team as a Senior Non-QM Mortgage Underwriter in a rewarding remote position with a convenient night shift schedule. This is a long-term career opportunity ideal for seasoned underwriting professionals seeking to advance their expertise in complex loan products.
In this critical role, you will be responsible for evaluating and making credit decisions on intricate non-qualified mortgage (Non-QM) loans, ensuring compliance with investor guidelines and regulatory standards. Your analytical expertise and attention to detail will directly impact our team's success in delivering exceptional loan processing outcomes.
You'll collaborate closely with senior management, loan officers, and cross-functional teams to maintain workflow efficiency while upholding the highest quality standards. This position offers genuine growth potential within an established organization that values professional development and rewards performance.
We provide comprehensive training, competitive compensation packages, and a supportive remote work environment designed to help you thrive. If you're ready to take your underwriting career to the next level with a stable, long-term opportunity, we want to hear from you.
Responsibilities
- Evaluate complex non-QM mortgage applications and make sound credit decisions in accordance with investor guidelines and regulatory requirements
- Analyze borrower financial documents, credit history, and supporting documentation to assess loan eligibility and risk levels
- Ensure compliance with company policies, federal regulations, and investor-specific underwriting guidelines throughout the loan review process
- Collaborate with loan officers, processors, and management to resolve application issues and maintain efficient workflow operations
- Maintain accurate records of all underwriting decisions and communicate findings clearly to relevant stakeholders
- Stay current with industry trends, regulatory changes, and investor guideline updates affecting non-QM loan products
- Mentor junior underwriters and contribute to process improvement initiatives
- Meet production targets and quality standards while managing multiple competing priorities in a night shift environment
Qualifications
- Bachelor's degree in Finance, Accounting, Business Administration, or a related field from an accredited institution
- Minimum of 5 years progressive experience in mortgage underwriting, with specific expertise in non-QM or complex loan products
- Strong analytical skills with demonstrated ability to interpret financial statements, tax returns, and complex income documentation
- In-depth knowledge of Fannie Mae, Freddie Mac, and investor-specific underwriting guidelines
- Excellent decision-making abilities with a proven track record of making sound credit judgments under tight deadlines
- Exceptional attention to detail and organizational skills to manage high-volume caseloads effectively
- Strong verbal and written communication skills for professional correspondence and team collaboration
- Proficiency in mortgage industry software, MS Office applications, and comfort with remote work technologies