Remote Wholesale Non-QM Underwriter

Position: Remote Wholesale Non-QM Underwriter
Work Model: Remote- US candidates only
Compensation: $100-125k, depending on experience, plus tiered bonus plan
Schedule: Full-Time | 40 hours per week | Overtime eligible
Benefits: Medical, Dental, 401(k)

A growing mortgage company is seeking an experienced Remote Wholesale Non-QM Underwriter to join its TPO division. This is a fully remote opportunity supporting increased loan volume within a smaller wholesale channel where your experience, communication, and judgment will matter.
The ideal candidate has strong recent Non-QM underwriting experience, wholesale/TPO experience, and the ability to step into the role with minimal ramp-up. This position is best suited for an underwriter who can independently review files, communicate clearly with internal and external partners, maintain strong quality, and think through complex scenarios to help determine a compliant path forward when possible.

Responsibilities
Underwrite Non-QM loans from initial review through final decision.
Review income, assets, credit, collateral, conditions, and supporting documentation.
Analyze loan files for compliance with investor and program guidelines.
Issue clear and detailed underwriting decisions and conditions.
Work closely with other underwriters, investors, loan coordinators, account executives, closers/funders, and brokers.
Maintain strong quality and production standards in a fast-paced TPO environment.
Think creatively and strategically to structure loans whenever possible while maintaining compliance.
Provide excellent communication and support throughout the underwriting process.
Use Encompass to review, condition, and manage loan files.

Qualifications

Recent Non-QM wholesale/TPO underwriting experience required- minimum 4 years.
Strong Non-QM underwriting knowledge required.
Must be able to underwrite Non-QM loans independently.
Encompass experience required.
Strong customer service and communication skills required.
Ability to problem-solve and think through complex scenarios.
Ability to work independently in a fully remote environment.

This role does not provide Non-QM underwriting training, so candidates should be comfortable stepping in with existing Non-QM experience.