Senior Non-QM Mortgage Underwriter - US Mortgage

About the RoleWe are seeking a highly analytical and solution-oriented Senior Non-QM Underwriter to join our credit team. In this role, you won’t just be "checking boxes"—you will be applying common-sense underwriting to complex credit scenarios. You will be responsible for evaluating, manual underwriting, and approving non-agency residential mortgage loans, including Bank Statement programs, DSCR (Investor), ITIN, andand Asset Utilization loans.The ideal candidate has a deep understanding of complex income analysis and the ability to look beyond traditional credit markers to determine the true creditworthiness of a borrower.Asset Utilization loans.The ideal candidate has a deep understanding of complex income analysis and the ability to look beyond traditional credit markers to determine the true creditworthiness of a borrower.Key Responsibilities- Complex Income Analysis: Perform deep-dive reviews of personal and business bank statements, P&L statements, and tax returns to calculate qualifying income for self-employed borrowers. - Credit Evaluation: Review and analyze credit reports, title commitments, appraisals, and various alternative credit documents to ensure they meet company and investor overlays. - Risk Assessment: Identify potential fraud or "red flags" and ensure every loan file tells a clear, documented story that supports a credit decision. - Pipeline Management: Maintain a consistent turn-time for initial credit decisions and condition reviews in a high-volume, fast-paced environment. - Collaboration: Work directly with Account Executives and Loan Officers to provide guidance on product fit and restructure deals to meet Non-QM guidelines. - Compliance: Ensure all loans adhere to ATR (Ability to Repay) and QM-Exempt standards.Required Qualifications- Experience: Minimum of 3–5 years of recent, dedicated experience in Non-QM underwriting (Agency/Jumbo experience is a plus, but Non-QM expertise is required). - Knowledge Base: Expert-level knowledge of Non-QM products (Bank Statement, DSCR, Foreign National, and Asset Depletion). - Manual Underwriting: Proven track record of manual underwriting without the "crutch" of an AUS (DU/LP). - Appraisal Review: Strong ability to analyze complex appraisals, including multi-unit and investor properties. - Tech Savvy: Proficiency with Encompass (preferred) or similar Loan Origination Systems (LOS). - Certification: No specific license required, but DE or SAR certifications are a significant plus.Why Join Us?- Competitive salary - ₹10 to ₹15 LPA - Work From Dynamic Office Position - NOT REMOTEHow to ApplyPlease submit your resume and a brief cover letter highlighting your experience with Bank Statement and DSCR programs to Info@. Ideal Candidates will be contacted to schedule an interview.

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