Remote Wholesale Non-QM Underwriter

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)

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

• Minimum 45 years of wholesale Non-QM mortgage underwriting experience required.
• Recent wholesale/TPO underwriting experience required.
• 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.

National Mortgage Staffing