Non-QM Underwriter

<p><strong>WHO WE ARE</strong></p> <p>We are committed to a supportive, diverse, and inclusive culture, living our values of Rigor, Ownership, Curiosity, Kindness, and "Straight Up" to promote equality and financial empowerment. Intrigued? Say hello!</p> <p><strong>WHO YOU ARE</strong></p> <ul> <li>Excellent analytical &amp; communication skills</li> <li>Must be conversant with Non-QM regulations</li> <li>Ability to work in a fast-paced multi-tasked environment</li> <li>Thorough knowledge of federal and state laws pertaining to the mortgage banking industry (i.e.: TILA, ECOA, RESPA, etc.)</li> <li>Strong appraisal review skills</li> <li>Great organizational and customer service skills</li> <li>Expert knowledge of AUS systems (DU, LP)</li> <li>Ability to underwrite/review complex purchase and refinance transactions</li> <li>Ability to work independently as well as part of a team</li> <li>A full understanding of recent FNMA/FHLMC underwriting guidelines is required</li> <li>Experience with Non-QM loan products and guidelines</li> <li>Strong understanding of Non-QM borrower profiles and documentation requirements</li> </ul> <p><strong>WHAT YOU’LL BE DOING</strong></p> <ul> <li>A thorough review of loan files to determine deficiencies and/or issues</li> <li>Concise and accurate conditioning of loan files</li> <li>Meet turn time objectives</li> <li>Analyze complex tax returns</li> <li>Communicate with the processor and LO in a positive manner in order to assist in moving files to closing as quickly as possible</li> <li>Concise and accurate input of data</li> <li>Run AUS and vendor software and analyze the results</li> <li>Complete a thoughtful and thorough review and sign off of appraisals</li> <li>Clear conditions as submitted while meeting turn-time objectives</li> <li>Maintain acceptable quality control metrics</li> <li>Ability to train and mentor peers</li> <li>Support and work on multiple loans to one borrower</li> <li>Proficient at client operating system</li> <li>Evaluate Non-QM loan applications to ensure compliance with investor guidelines and company policies</li> <li>Identify and mitigate potential risks associated with Non-QM loans</li> </ul> <p><strong>IDEALLY, YOU’LL HAVE</strong></p> <ul> <li>5+ years in Non-QM underwriting&nbsp;</li> <li>Experience with Non-QM loan origination systems and software</li> <li>Knowledge of alternative income verification methods and asset utilization strategies</li> </ul> <p><strong>Compensation Range:&nbsp;</strong> $36.06/hr - $38.46/hr depending on experience.</p> <p><strong>WHAT WE OFFER YOU</strong></p> <p>Here, you get an opportunity to be a vital part of an agile team of thinkers and&nbsp;doers collaborating to change a multi-trillion dollar industry. We offer meaningful equity,&nbsp;a competitive salary, top-tier medical, dental, and vision insurance, flexible work hours,&nbsp;and vacation time.</p>