Underwriter

Description CMG Home Loans is hiring a Non-QM Underwriter (Team Lead) that has strong Non-QM and Jumbo underwriting experience. They are responsible for the execution of underwriting based on company policy and standards. The team Lead ensures sound decisions to protect the financial and operational interests of the company and helps train underwriters. Hiring a candidate in the Pacific or Mountain times zones to cover the West Coast. Essential Duties and Responsibilities: Underwrite complex Non-QM loan files in accordance with multiple investor guidelines. Underwrite Non-QM, Jumbo, Portfolio, and other manually underwritten loan products. Analyze borrower creditworthiness, income, assets, collateral, and overall loan eligibility. Communicate regularly with Processors and Loan Officers regarding loan status, conditions, and underwriting decisions using current technology platforms. Review and re-evaluate loan files as conditions are cleared and new information is received while maintaining file integrity and workflow priorities. Maintain a current working knowledge of loan products, investor guidelines, and underwriting requirements. Document loan decisions and maintain detailed conversation logs in BYTE to accurately track file progression. Support training and knowledge-sharing initiatives for other mortgage operations team members as needed. Assist with ad hoc reporting and special projects. Perform other duties as assigned. Qualifications and Experience: Minimum of five (5) years of manual mortgage underwriting experience. Recent Non-QM underwriting experience within the last 12–24 months is required. Experience underwriting Jumbo and Portfolio loan products preferred. Demonstrated proficiency with Desktop Underwriter (DU) and Loan Product Advisor (LP). Ability to accurately interpret DU and LP findings and clearly communicate and document underwriting decisions. Intermediate proficiency with Microsoft Word, Excel, and Outlook. Ability to thrive in a fast-paced, high-volume environment. Strong communication, interpersonal, analytical, and organizational skills. High level of integrity, professionalism, and confidentiality. Self-motivated, dependable, and able to manage priorities while meeting established deadlines. Strong critical thinking, problem-solving, and decision-making abilities. SUPERVISORY RESPONSIBILITIES : Direct Reports : NA PHYSICAL and ENVIRONMENTAL CONDITIONS: This role operates in an ADA compliant office environment, utilizing typical office equipment and tasks including computer work. The position may involve partial stationary positions and moving throughout the day. Flexibility to work overtime to meet project deadlines is required. COMPENSATION: This role is currently allocated for candidates within geographic regions that do not currently require base wage disclosure. The compensation range for this position will be provided upon request. (Due to their geographic location, residents of the states of CA & CO, and for N Y and other areas are excluded from this role at this time .) Actual compensation will be determined based on a variety of factors, including the candidate's qualifications, relevant mortgage industry experience, skills, education, certifications, geographic location (where applicable), market conditions, and internal equity. This position may also be eligible for incentive compensation and a comprehensive benefits package. CMG Financial is an equal opportunity employer and does not unlawfully discriminate in employment decisions. CMG will consider all qualified applicants without regard to race, religion, national origin, sex, age, veteran status, disability, familial status, marital status, actual or perceived sexual orientation, or actual or perceived gender identity. Applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of CMG Financial or reach out to [emailprotected] . CMG MORTGAGE, INC. NMLS #1820 If you are a recruiter or placement agency, please do not submit resumes to any person or email address at CMG Financial prior to having a signed agreement . CMG Financial is not liable for and will not pay placement fees for candidates submitted by any agency other than its approved recruitment partners. Furthermore, any resumes sent to us without an agreement in place will be considered your company’s gift to CMG Financial and may be forwarded to our recruiters for their attention.