Non-Delegated Underwriter Vice President, Residential Credit

Non-QM Mortgage Underwriter Vice PresidentAnnaly Capital Management, Inc. ("Annaly" or, together with its wholly-owned subsidiaries, the "Company"), is a publicly traded real estate investment trust (REIT) with investment strategies across mortgage finance. Its common stock is listed on the New York Stock Exchange under the symbol "NLY". Annaly's wholly-owned subsidiaries include several regulated and licensed entities, including Annaly Credit Opportunities Management LLC, an SEC registered investment adviser ("ACOM"), Arcola Securities, Inc., a FINRA member broker-dealer ("Arcola") and, Onslow Bay Financial LLC, a mortgage aggregator and master servicer ("Onslow Bay"). The Company is headquartered in New York, NY with an additional office in the Dallas-Fort-Worth Metropolitan Area.Annaly is seeking a Non-QM Mortgage Underwriter Vice President with significant Non-QM experience to join the Residential Credit team in Dallas, TX (or Remote). This candidate will focus on our Non-Delegated mortgage channel, managing our vendors and communicating with our vast network of sellers.The ideal candidate will have 8+ years of relevant credit experience in Non-QM underwriting and/or scenario desk experience. In addition, they should have the ability to make credit decisions/help assist the Onslow Bay contract underwriters, closely interact with our correspondent partners and monitor market underwriting guidelines.Essential Responsibilities:Serve as the primary liaison between Onslow Bay and third-party diligence providersReview diligence findings for completeness, accuracy, and consistencyResolve escalated conditions, credit exceptions, and guideline interpretation questionsPerform manual underwriting reviews and render credit decisions on Non-QM loan products, including Bank Statement, DSCR, Asset Utilization, Full Documentation, P&L, Etc.Analyze borrower income, assets, credit, collateral and overall ability-to-repayIdentify layered risk and provide appropriate mitigating factors and justificationIssue final approval and Clear-to-Close decisionsPrioritize and manage high-priority and rush loan requestsBuild strong relationships with sellers and provide excellent customer service and communicationThorough understanding of condominium complex reviews with the ability to review condo questionnaires, financials, inspections, and various non-warrantable features ultimately to ascertain the level of risk for purchase.Qualifications/Requirements:Basic Qualifications:8+ years of relevant credit experience in Non-QMBachelor's Degree preferredMortgage Loan Originator (MLO) license preferredPreference given to candidates that have a NY State MLO LicenseDesired Characteristics:Ability to manage multiple projects at a time and prioritize accordinglyAbility to effectively communicate, both written and verbally, with Senior Management regarding the progress and results of projects and initiativesAbility to underwrite Non-QM and Non-Agency loan products, including but not limited to Bank Statement Income Analysis, Asset Depletion, P&L, DSCR, Foreign National and Self-EmploymentAbility to work effectively under time constraintsEligibility Requirements:Must be willing to submit to a background investigationMust have unrestricted work authorization to work in the United StatesPreference given to candidates with strong Condominium backgroundPreference given to candidates able to work in Dallas, TX (on-site three (3) days)Remote work eligibility will be evaluated on a case-by-case basisAnnaly is committed to equal employment opportunity and providing reasonable accommodations to qualified candidates and employees pursuant to applicable law. We value and encourage diversity and solicit applications from all qualified applicants without regard to race, color, gender, sex, age, religion, creed, national origin, ancestry, citizenship, marital status, sexual orientation, physical or mental disability, medical condition, military and veteran status, gender identity or expression, genetic information, or any other characteristic protected by federal, state, or local law. If you require reasonable accommodation as part of the application process, please contact our Human Resources department.