Senior Non-QM Underwriter

Job Description Experience: Senior Level Salary: $100,000 - $100,000 per year We are adding a Senior Non‑QM Underwriter to support both our Retail and Wholesale channels. This is a live‑file underwriting role responsible for reviewing, decisioning, and clearing loans through Clear‑to‑Close in a fast‑paced environment. We need a Senior Non‑QM Underwriter with strong conventional and government underwriting experience. Key Responsibilities Underwrite Non‑QM loans plus Conventional, FHA, Jumbo, Bond, and even VA Manage files from initial decision through Clear‑to‑Close (CTC) Strong experience underwriting Non‑QM programs (Bank Statement, DSCR, Asset Utilization, ITIN) Analyze complex income including self‑employed borrowers Partner with Retail Loan Officers and Wholesale brokers Maintain SLA turn times while protecting credit quality Work with Loan Originators to restructure loans Respond to underwriting scenario desk inquiries Required Skills & Experience 5+ years current front‑line underwriting experience 2+ years hands‑on Non‑QM underwriting Active VA LAPP/SAR and FHA DE authority strongly preferred Strong DU/LP and manual underwriting knowledge Advanced self‑employed income analysis skills Advanced rental income analysis skills Experience in Encompass or comparable LOS Ability to manage production pipeline independently Strong understanding of secondary market requirements Ability to respond to investors and government agencies to resolve deficiencies that may arise Team player with a strong commitment to customer service Excellent verbal and written communication skills Preferred Working Conditions Prefer In‑house and local to our office in New Jersey, yet Hybrid and/or Remote is an option depending on experience. Benefits Competitive base salary – depending on experience and certifications Full benefits with 401(k) Annual Bonus Option Supportive culture, opportunities for learning, and accessible management Plus so much more… #J-18808-Ljbffr LeoForce