Senior Underwriter - Agency | Non-Agency

WANTED: Experienced Residential Senior Underwriter - Agency | Non-Agency! Remote is an Option This Jobot Job is hosted by: Stephen Niedringhaus Are you a fit? Easy Apply now by clicking the "Quick Apply" button and sending us your resume. Salary: $100,000 - $120,000 per year A bit about us: We are a fast-growing, nationwide residential direct mortgage lender licensed in 49 states, specializing in a broad range of mortgage solutions including Prime Jumbo, Non-QM, DSCR (rental cash flow), and Agency loans. With in-house underwriting, doc preparation, and funding for loans up to $10 million, we are committed to providing fast, efficient, and transparent service for homebuyers, realtors, and investors alike. Our culture is built on honesty, integrity, humility, and exceptional customer service. Being bilingual in English and Chinese is a strong plus! Why join us? Competitive Compensation: Strong base salary + bonus potential tied to performance 401(k) with Company Match Comprehensive Benefits: Medical, Dental, Vision, Life Insurance Generous PTO & Paid Holidays Collaborative Work Environment: Join a fast-growing, nationwide team with a supportive culture Work-Life Balance: Remote flexibility with productivity-based rewards Advanced Systems: Access top-tier underwriting and processing technology Job Details Key Responsibilities Underwrite complex Jumbo, Non-QM, and DSCR mortgage loans per company, investor, and regulatory guidelines. Review and analyze loan files, credit reports, income documents, asset statements, appraisals, and other pertinent documentation to assess creditworthiness and risk. Work closely with loan officers, processors, and managers to ensure timely and accurate underwriting decisions. Apply sound judgment and risk assessment on loan exceptions and escalate as appropriate. Maintain high productivity while delivering consistent quality and meeting established service-level agreements (SLAs). Ensure all loan decisions are documented clearly and accurately in Encompass and adhere to compliance and audit standards. Provide guidance and mentorship to junior underwriters and processing staff as needed. Stay current on changes in investor guidelines, Non-QM and Jumbo product offerings, and industry regulations. Qualifications 5+ years of recent mortgage underwriting experience, strongly focusing on Jumbo and Non-QM products. Expertise in high-volume underwriting environments, managing a large pipeline efficiently without sacrificing quality. Proficiency in Encompass loan origination software is required. DE (Direct Endorsement) or LAPP/SAR certifications are a plus, but not required. Deep understanding of investor guidelines, credit and risk assessment, and compliance requirements (TRID, RESPA, ATR/QM, etc.). Excellent analytical, problem-solving, and decision-making skills. Strong written and verbal communication abilities, with a focus on clarity and professionalism. Proven ability to work independently and meet deadlines in a fast-paced, high-performance environment. Bilingual in English, Chinese/Spanish is a strong plus! If you are a Senior Underwriter and an expert in Agency/Non Agency and Non-QM underwriting, do not wait! Apply today and/or email your latest resume to Interested in hearing more? Easy Apply now by clicking the "Quick Apply" button. Jobot is an Equal Opportunity Employer. We provide an inclusive work environment that celebrates diversity and all qualified candidates receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. 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