Senior Non-QM Underwriter - Springfield - Jobot

    Jobot
    Jobot Springfield

    1 week ago

    Description

    Wanted:
    Senior Non-QM Underwriter


    Read the overview of this opportunity to understand what skills, including and relevant soft skills and software package proficiencies, are required.


    • Remote is an option Must have strong wholesale experience This Jobot Job is hosted by: Stephen Niedringhaus Are you a fit? Easy Apply now by clicking the "Apply Now" button and sending us your resume.

    Salary:
    $90,000

    - $100,000 per year A bit about us: Headquartered in Springfield, NJ, we are a retail and wholesale mortgage company dedicated to serving the lending needs of brokers, home buyers, homeowners, real estate professionals, and builders.


    We are passionate about assisting others in fulfilling the American Dream of home ownership while making the process as simple as possible.

    This is a full-time position as a Wholesale Non-QM Underwriter.

    You must have experience with Conventional loans and Non-QM and more wholesale experience than retail experience.


    One will be responsible for assessing and evaluating loan applications, reviewing financial documents, analyzing borrower creditworthiness, and making informed decisions on mortgage loan approvals.


    Why join us? Remote is an Option Growth & Impact: Play a key role as an Underwriter for a fast-growing mortgage company.


    Collaborative Culture:
    Work in an environment that values teamwork, innovation, and employee well-being.

    Competitive Benefits:
    Compensation package, full benefits, and professional growth opportunities.

    Industry Excellence:
    Join a company committed to excellence and service in the mortgage industry.

    Job Details We are seeking experienced Senior Non-QM Wholesale Underwriters to join our team.


    In this role, you will perform highly detailed credit and risk assessments, manually underwrite mortgage files, and ensure all lending decisions align with Acra's credit guidelines and regulatory requirements.

    You will evaluate complex financial scenarios, analyze borrower creditworthiness, and deliver sound, well-supported credit decisions.

    Essential Duties and Responsibilities Manually underwrite residential mortgage loan files in accordance with our policies, guidelines, and federal/state regulations.

    Review and analyze loan applications and supporting documentation for accuracy, completeness, and eligibility.

    Assess multiple data points and contingencies within each file to quantify risk and determine borrower creditworthiness.

    Exercise sound judgment in identifying the correct conditions, documentation, and follow-up items required to support a credit decision.


    Perform frontline underwriting for new submissions, suspense reviews, condition reviews, reworks, and related tasks, while meeting production, turn-time, and quality standards.

    Work independently to resolve issues and escalate complex scenarios to leadership when appropriate.

    Utilize Microsoft Office applications and industry-standard mortgage software (Encompass) Perform other duties as assigned.


    Qualifications To be successful, candidates must demonstrate strong technical underwriting ability, attention to detail, and a high degree of analytical judgment.


    Wholesale Underwriting (Must) Must be well-versed in the different types of Non-QM loans Proven experience performing full manual underwrites of residential mortgage loans.


    Strong Fannie Mae and Freddie Mac Underwriting experience (Must) Deliver white glove customer service Strong experience in mortgage underwriting and loan analysis Strong knowledge of underwriting guidelines and regulations Expertise in analyzing and evaluating credit requests and determining appropriate documentation requirements.

    Ability to measure layered risk, quantify associated credit factors, and recommend decisions in alignment with guidelines and compliance rules.

    Strong written and verbal communication skills, including the ability to clearly articulate credit decisions.

    Excellent time management skills with the ability to handle a high-volume pipeline efficiently.

    Highly detail-oriented team player with strong organizational skills.

    Self-motivated, collaborative, and able to maintain accuracy in a fast-paced environment.


    Ability to work independently and as part of a team Familiarity with Encompass Education and Experience Minimum 5 years of recent frontline residential mortgage underwriting experience.

    Minimum 5 years underwriting non-prime and A-paper loans.


    Minimum 5 years of experience applying and complying with state and federal lending regulations (ATR, RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.).


    If you're a Senior Non-QM Wholesale Underwriter eager to make an impact in a dynamic mortgage company, we'd love to hear from you Apply directly or email your resume to 2 /?utm_source=CareerBuilder /> Interested in hearing more? Easy Apply now by clicking the "Apply Now" button.

    Jobot is an Equal Opportunity Employer.


    We provide an inclusive work environment that celebrates diversity and all qualified candidates receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws.

    Jobot also prohibits harassment of applicants or employees based on any of these protected categories.


    It is Jobot's policy to comply with all applicable federal, state and local laws respecting consideration of unemployment status in making hiring decisions.

    Sometimes Jobot is required to perform background checks with your authorization.


    Jobot will consider qualified candidates with criminal histories in a manner consistent with any applicable federal, state, or local law regarding criminal backgrounds, including but not limited to the Los Angeles Fair Chance Initiative for Hiring and the San Francisco Fair Chance Ordinance.


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