Non-Conforming Loan Underwriter

*100% remote, Salary DoE

Description:

Underwriter completes a thorough analysis of loan files to determine compliance with company and investor guidelines.
Underwriter checks the accuracy of all calculations and data integrity.
Underwriter recommends the loan decision to underwriting manager for loan amounts more than authority limitation.
The underwriter maintains a company standard for productivity levels and complies with the company policy of 48 hour underwriting turnaround time and a 24-hour turnaround time for clearing conditions.
Communicates decision on loans to appropriate parties both verbally and in writing.
Underwriting of various non-QM loan products.
Must perform manual underwriting, requiring a detailed familiarity with various loan programs.
The Underwriter must be available to processors for general guideline interpretations and questions on specific loan files.
Responds to post closing reviews and audits in a timely fashion.

Qualifications:

Minimum two years of recent NON-QM mortgage underwriting experience, with solid working knowledge of underwriting guidelines for NON-QM Investors.
The underwriter must have the ability to review & calculate complex personal and/or business financials and tax profiles.
Excellent written and verbal communication.
Experience working in a fast-paced team environment.
Encompass loan origination system experience required 1+ years