Job description:
Job Title: Senior U.S. Mortgage Underwriter (Non-QM) – Remote
Job Type: Full-Time | Remote
Experience Level: Senior / Managerial
Department: Mortgage Operations / Underwriting
About Us
We are a fast-growing U.S.-based mortgage company providing Non-QM and traditional loan solutions nationwide. Our team is expanding, and we are looking for an experienced Senior Mortgage Underwriter with strong decision-making skills, leadership capability, and advanced knowledge of Non-QM loan products.
This role is ideal for someone who thrives in a fast-paced lending environment, can work independently, and consistently delivers accurate, compliant underwriting decisions.
Key Responsibilities
· Perform thorough credit, income, asset, collateral, and risk assessments for Non-QM, DSCR, Bank Statement, and other alternative doc types.
· Ensure all files meet investor guidelines, federal regulations, and internal credit standards.
· Review AUS findings and apply appropriate conditions, overlays, and exceptions.
· Issue clear, accurate underwriting decisions: approve, deny, or suspend with conditions.
· Collaborate with processors, loan officers, and managers to resolve conditions efficiently.
· Train and support junior underwriters when needed; be able to manage underwriting team.
· Maintain excellent turn times while ensuring high-quality, compliant underwriting.
· Participate in policy reviews, credit audits, and underwriting guideline updates.
Required Qualifications
· 7+ years of current U.S. mortgage underwriting experience (required).
· Non-QM underwriting experience REQUIRED — including DSCR, Bank Statement, WVOE, P&L
· Prior experience evaluating complex income scenarios and self-employed borrowers.
· Strong familiarity with U.S. lending regulations (TRID, ATR/QM, Fair Lending, etc.).
· Proficient with Encompass is a plus
· Strong analytical skills with excellent attention to detail.
· Ability to make independent decisions with minimal supervision.
· Comfortable working in a fully remote environment with strict loan-level security protocols.
Preferred Qualifications
· Prior leadership or team-lead experience (Underwriting Team Lead, Supervisor, or Senior).
· Experience in hybrid/remote U.S. mortgage operations.
· Familiarity with non-agency investors and their requirements.
Work Setup
· Remote: Available
· Schedule: Must maintain partial overlap with U.S. business hours.
· Compensation: Competitive salary based on experience and location. Performance-based incentives available.
How to Apply
Please submit:
✔ Your updated resume
✔ A brief summary of your Non-QM experience
✔ Your expected monthly or annual salary
✔ Your soonest availability
Job Type: Full-time
Application Question(s):
Do you have Non-QM underwriting experience, including DSCR, Bank Statement, WVOE, and P&L?
Are you strongly familiar with key U.S. lending regulations—TRID, ATR/QM, Fair Lending, and related guidelines?
Experience:
US Mortgage Underwriting: 7 years (Required)
Work Location: Remote