Senior Credit Underwriter

About World Business Lenders - At World Business Lenders (WBL), we provide flexible, short-term commercial loans backed by real estate to help small and medium-sized businesses across the United States — particularly those facing difficulties with traditional financing. We're a fast-moving, results-driven organization that takes security seriously as we continue to grow. - This is a Full-Time Independent Contractor role with working hours from 9:00 AM – 6:00 PM Eastern Standard Time, Monday through Friday. We request that all CVs be submitted in English. About the Role - The Senior Credit Underwriter is responsible for leading complex credit underwriting activities while serving as a trusted advisor to the Chief Lending Officer. This role provides expertise in Non-QM mortgage lending, evaluates complex borrower scenarios, structures credit solutions, and supports sound lending decisions that balance risk and business objectives. - In addition to underwriting, the role oversees underwriting teams, mentors junior underwriters, drives process improvements, and collaborates cross-functionally to improve credit quality, operational efficiency, and funded loan volume.. What You'll Be Doing (Key Responsibilities) - Act as the Chief Lending Officer's 'right hand' trusted advisor. - Perform early credit assessments ("shift-left") before processing is complete. - Rework denied loans into approvable structures where possible. - Recommend counteroffers that reduce risk while preserving profitability. - Identify compensating factors to strengthen borderline files. - Consult with Sales on structuring loans before submission. - Participate in daily pipeline review meetings. - Assist in developing underwriting guidelines and SOPs. - Analyze trends in denials and fallout to recommend policy or process changes. - Support automation efforts by documenting underwriting decision logic. - Serve as the subject matter expert for complex borrower scenarios.

Requirements Education: - Bachelor's or Associate's degree. Experience: - 10+ years of progressive underwriting experience in non-QM mortgage lending. Must-Have Requirements Please ensure you meet all of the following before applying: - 10+ years of progressive underwriting experience in Non-QM residential mortgage lending. - Proven expertise in c redit analysis, risk assessment, and loan structuring , with the ability to evaluate complex borrower scenarios and develop viable lending solutions. - Strong knowledge of Non-QM loan products , including DSCR, Bank Statement, Asset Depletion, Foreign National, ITIN, and other alternative documentation programs. - Experience interpreting credit policies, underwriting guidelines, and applicable mortgage regulations (e. g. , ATR/QM, TRID, RESPA, TILA), with the ability to make sound, consistent credit decisions.. Remote Work Requirements - Stable, reliable internet connection. - Professional and dedicated remote working setup. Preferred Background / Industry Experience: - Non QM residential mortgage lending / MCA lending. Key Soft Skills: - Critical Thinking – Evaluates complex borrower scenarios, weighs risk objectively, and makes sound credit decisions based on facts rather than assumptions. - Analytical Mindset – Identifies trends, assesses layered risk, and connects multiple data points to determine overall creditworthiness. - Sound Judgment – Balances prudent risk management with business objectives, knowing when to approve, restructure, or decline a loan. - Problem Solving – Finds creative, policy-compliant solutions to structure challenging loans instead of defaulting to denial. - Attention to Detail – Thoroughly reviews financials, documentation, and loan files to identify inconsistencies, omissions, or potential risks. - Communication – Clearly explains underwriting decisions, credit rationale, and conditions to Sales, Processing, and leadership.