Senior Non-QM Underwriter
hace 1 día
Springfield
Job DescriptionWanted: Senior Non-QM Underwriter - 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" buttonand 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), • 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, • Minimum 5 years of recent frontline residential mortgage underwriting experience., • Minimum 5 years underwriting non-prime and A-paper loans. 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. 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You can access our privacy policy here: jobot.com/privacy-policyCompany DescriptionJobot is on a mission to connect good people with good jobs. By combining AI-powered technology with the expertise of Jobot Pros, our experienced recruiters, we help you find career opportunities that align with your goals and values. Founded in 2018 and employee-owned since 2024, Jobot is committed to fostering a culture of kindness, respect, innovation, and connection. As an industry leader, we’ve been recognized as a top workplace by Forbes, Fortune, USA Today, and Staffing Industry Analysts (SIA). Ready to find a good job? Create your profile today at Jobot.com.Jobot is on a mission to connect good people with good jobs. By combining AI-powered technology with the expertise of Jobot Pros, our experienced recruiters, we help you find career opportunities that align with your goals and values.\r\n\r\nFounded in 2018 and employee-owned since 2024, Jobot is committed to fostering a culture of kindness, respect, innovation, and connection. As an industry leader, we’ve been recognized as a top workplace by Forbes, Fortune, USA Today, and Staffing Industry Analysts (SIA).\r\n\r\nReady to find a good job? Create your profile today at Jobot.com.