Senior Underwriter

Role overviewAs a contract non-QM underwriter, you will independently underwrite or re-underwrite non-agency mortgage loans across a variety of programs — including bank statement, DSCR, asset depletion, foreign national, ITIN, and interest-only products — for our lending clients. You will work remotely under established client guidelines and will be expected to manage your own pipeline with minimal supervision.Key responsibilitiesUnderwrite non-QM first and second mortgage loans in accordance with client-specific overlays and investor guidelinesAnalyze alternative income documentation — bank statements (12 and 24 month), P&Ls, 1099s, asset depletion/dissipation calculations — to determine qualifying incomeEvaluate DSCR investment property loans, including rental income analysis, lease agreements, and short-term rental income documentationPerform thorough due diligence reviews including title, appraisal, credit, fraud, and compliance checks per client and investor requirementsIdentify exceptions pursuant to investor guidelines and review remediation documentation for identified exceptions for clear to purchaseMaintain compliance with applicable federal regulations including TILA, RESPA, HMDA, ECOA, and fair lending requirementsRequired qualificationsMinimum 3–5 years of non-QM underwriting experience with a non-agency lender, correspondent, or mortgage support firmDemonstrated hands-on experience with programs such as bank statement loans, DSCR, asset depletion, foreign national, ITIN, and P&L-only productsProficiency with major non-QM investor guidelines (e.g., Angel Oak, Acra Lending, Deephaven, A&D Mortgage, Verus Mortgage Capital)Strong understanding of federal mortgage regulations: ATR/QM rule, Dodd-Frank, HMDA, ECOA, and state-specific licensing requirementsAbility to work independently, manage multiple loan files simultaneously, and meet turnaround time (TAT) commitmentsPreferred qualificationsPrior experience supporting third-party clients in an outsourced or TPO underwriting capacityExperience with due diligence/pre-purchase review and scratch-and-dent or NPL re-underwritingFamiliarity with EAD, ITIN, and foreign national documentation requirementsDE/SAR designation or prior agency underwriting experience (FHA, VA, USDA) is a plus but not requiredWhat to expectFlexible hours - Work around your schedule within agreed client SLAs Multi-client exposure - Gain experience across diverse lender product suites and guidelinesVolume-based growth - Opportunity to increase volume as performance and trust are established