Remote Underwriter / Flexible Hours

Highland Mortgage is a trusted name in residential lending, dedicated to helping families achieve their homeownership goals. Position Overview The Non-QM Underwriter is responsible for evaluating and rendering sound credit decisions on non-qualified mortgage loans across a range of alternative-documentation programs, including bank statement, DSCR, asset depletion/asset utilization, profit-and-loss, 1099, and full-documentation non-QM products. This position requires strong analytical judgment, a thorough command of investor guidelines, and the ability to assess layered risk on borrowers whose profiles fall outside agency standards.
The ideal candidate is a detail-oriented decision-maker who can independently analyze complex income and credit scenarios, structure workable file conditions, and communicate clear, well-supported decisions. Organizational Expectations All employees are expected to adhere to organizational policies and procedures, maintain a positive and respectful attitude, communicate regularly with their supervisor, demonstrate flexible and efficient time management, consistently report to work on time, meet department productivity standards, and maintain confidentiality regarding Highland Mortgage, its business, and the affairs of its customers.
Key Responsibilities Underwrite non-QM loan files to a sound, well-documented credit decision, applying investor guidelines, program matrices, and applicable regulatory requirements.
Evaluate borrowers across non-QM programs - bank statement, DSCR, asset depletion/asset utilization, P&L, 1099, ITIN, and full-doc non-QM- including jumbo and investor/business-purpose scenarios.
Calculate qualifying income from all sources, with particular emphasis on self-employment, bank statement analysis, rental/DSCR cash flow, and asset-based qualification.
Analyze credit, collateral, capacity, and layered risk factors, ensuring each decision is supportable and consistent with program parameters and investor overlays.
Identify exceptions where a file does not meet guidelines as presented, recommend alternative structures, programs, or compensating factors to move the deal forward.
Communicate decisions and conditions clearly and professionally to loan officers, processors, and operations staff, both in writing and verbally.
Ensure each file complies with company policy, investor requirements, and all applicable federal and state lending regulations, including TRID, ATR, and fair lending.
Stay current on non-QM investor guidelines, product updates, and regulatory changes, and apply them accurately in day-to-day decisions.
Meet or exceed department turn-time, quality, and productivity standards.
Maintain customer confidence by providing quality service and keeping all file information strictly confidential.
Qualifications and Experience Required 3+ years of residential mortgage underwriting experience, including hands-on experience underwriting non-QM products.
5+ years of mortgage underwriting experience.
Demonstrated expertise with non-QM programs such as bank statement, DSCR, asset depletion/asset utilization, P&L, and 1099 documentation.
Strong income calculation skills across all income types, with particular strength in complex self-employment and cash-flow analysis.
Sound analytical judgment and the ability to independently render supportable credit decisions on files with layered risk.
High proficiency with technology - comfortable navigating LOS platforms, investor portals, and industry tools with minimal ramp-up time.
Strong organizational skills and the ability to manage a pipeline to department turn-time and quality standards.
Any equivalent combination of education, experience, and training that provides the required knowledge, skills, and abilities may be considered.
Background working in a fast-paced, remote mortgage environment.
What We Offer Competitive salary with performance-based bonus opportunities.
Comprehensive benefits package including medical, dental, and vision coverage.
Paid time off and paid holidays.
This job description does not create an employment contract, implied or otherwise, other than an "at-will" working relationship.
Highland Mortgage is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.

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