Job Description
We are one of the country’s premier housing platforms, with a nationwide footprint and rapidly expanding mortgage operation focused on non-QM products, including DSCR, fix-and-flip/RTL, and consumer loans. We operate in a performance-driven environment with a strong emphasis on speed, quality, and risk management.
We are seeking a detail-oriented and production-focused Underwriter to evaluate and approve loans across our non-QM product suite. This role is responsible for making sound credit decisions, maintaining high underwriting quality, and meeting aggressive turn time expectations.
Responsibilities
Loan Underwriting: Review and underwrite non-QM loan files across DSCR, RTL, and consumer products, including income, assets, credit, and collateral. Make clear, well-documented credit decisions in line with company guidelines.
Loan Delivery: Ensure loans are structured, underwritten, and conditioned in line with credit policy and investor requirements. Maintain high file quality to support clean submissions and efficient execution.
Conditions & Pipeline Management: Issue clear and actionable conditions, manage pipeline effectively, and ensure timely re-review and decisioning.
Collaborate with Investors: Understand Investor guidelines and be able to articulate and negotiate condition and document acceptance in a professionally and expeditiously.
Turn Time Performance: Meet or exceed SLAs for initial underwrites and condition reviews while maintaining accuracy and consistency.
Exception Handling: Evaluate and document exceptions within established guidelines, ensuring disciplined and well-supported credit decisions.
Quality & Compliance: Maintain high standards of accuracy and ensure all underwriting decisions comply with internal policies and applicable regulations.
Cross-Functional Collaboration: Work closely with Loan Officers, processors, and operations to resolve issues, move files efficiently, and improve overall workflow.
Qualifications
- 3–7 years of mortgage underwriting experience, preferably in non-QM or investor lending.
- Experience with DSCR, bridge/RTL, or similar non-agency products.
- Strong understanding of credit risk, income analysis, and loan structuring.
- Familiarity with LOS systems and underwriting workflows.
- Ability to manage a high-volume pipeline while maintaining quality and consistency.
- Strong attention to detail and sound credit judgment.
Skills
- Strong credit analysis and decision-making
- Time management and prioritization
- Attention to detail and accuracy
- Ability to operate in a fast-paced, production environment
- Clear written and verbal communication
