Non-Conforming Loan Underwriter

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

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