Non-QM Underwriter (Wholesale)

📋 Description

• • Underwrite Non-QM and Non-Agency loan products including Bank Statement Income Analysis, Asset Depletion, DSCR No Ratio, Foreign National, and Self-Employment loans.
• • Maintain an underwriting pipeline of new loans and resubmissions that meet established service level agreements.
• • Evaluate loan files for accuracy, completeness, and compliance with investor and agency guidelines.
• • Issue clear and concise loan decisions to sales and operations teams to facilitate timely processing.
• • Communicate regularly with operations, sales staff, and external lenders/investors to resolve issues and provide exceptional customer service.
• • Finalize loan approvals by uploading all required documentation into the company’s software systems with proper signatures.
• • Collaborate with the Post-Closing department to address stipulations on closed files and relay outcomes to underwriters and management.
• • Perform manual underwriting tasks in accordance with industry standards and regulatory requirements.
• • Ensure adherence to all compliance and disclosure regulations applicable to Non-QM lending.
• • Respond to questions and provide guidance to internal teams on Non-QM lender product guidelines and underwriting criteria.
• • Manage multiple loan files simultaneously while maintaining strict attention to detail and deadline adherence.
• • Utilize Microsoft Word, Excel, and Outlook for documentation, analysis, and communication tasks.
• • Support continuous workflow efficiency by proactively identifying and resolving bottlenecks in the underwriting process.
• • Adhere to company policies and procedures while maintaining confidentiality of borrower and loan data.
• • Complete all assigned duties in alignment with evolving investor guidelines and internal operational standards.
• • Contribute to team goals by participating in training, process improvement initiatives, and knowledge-sharing activities.
• • Perform additional related duties as assigned by management to support overall underwriting department objectives.