Senior Non-QM Mortgage Underwriter - US Mortgage

About the Role

We are seeking a highly analytical and solution-oriented Senior Non-QM Underwriter to join our credit team. In this role, you wont just be "checking boxes"you will be applying common-sense underwriting to complex credit scenarios. You will be responsible for evaluating, manual underwriting, and approving non-agency residential mortgage loans, including Bank Statement programs, DSCR (Investor), ITIN, and

and Asset Utilization loans.

The ideal candidate has a deep understanding of complex income analysis and the ability to look beyond traditional credit markers to determine the true creditworthiness of a borrower.

Asset Utilization loans.

The ideal candidate has a deep understanding of complex income analysis and the ability to look beyond traditional credit markers to determine the true creditworthiness of a borrower.

Key Responsibilities

• Complex Income Analysis: Perform deep-dive reviews of personal and business bank statements, P&L statements, and tax returns to calculate qualifying income for self-employed borrowers.
• Credit Evaluation: Review and analyze credit reports, title commitments, appraisals, and various alternative credit documents to ensure they meet company and investor overlays.
• Risk Assessment: Identify potential fraud or "red flags" and ensure every loan file tells a clear, documented story that supports a credit decision.
• Pipeline Management: Maintain a consistent turn-time for initial credit decisions and condition reviews in a high-volume, fast-paced environment.
• Collaboration: Work directly with Account Executives and Loan Officers to provide guidance on product fit and restructure deals to meet Non-QM guidelines.
• Compliance: Ensure all loans adhere to ATR (Ability to Repay) and QM-Exempt standards.

Required Qualifications

• Experience: Minimum of 35 years of recent, dedicated experience in Non-QM underwriting (Agency/Jumbo experience is a plus, but Non-QM expertise is required).
• Knowledge Base: Expert-level knowledge of Non-QM products (Bank Statement, DSCR, Foreign National, and Asset Depletion).
• Manual Underwriting: Proven track record of manual underwriting without the "crutch" of an AUS (DU/LP).
• Appraisal Review: Strong ability to analyze complex appraisals, including multi-unit and investor properties.
• Tech Savvy: Proficiency with Encompass (preferred) or similar Loan Origination Systems (LOS).
• Certification: No specific license required, but DE or SAR certifications are a significant plus.

Why Join Us?

• Competitive salary - 10 to 15 LPA
• Work From Dynamic Office Position - NOT REMOTE

How to Apply

Please submit your resume and a brief cover letter highlighting your experience with Bank Statement and DSCR programs to . Ideal Candidates will be contacted to schedule an interview.