Junior Underwriter, Non-QM

This is a fully remote position, open to applicants anywhere in the world.

📋 Description

• Assist the underwriting team by reviewing conditions and conducting clear to close evaluations on loans.

• Evaluate and clear underwriting conditions to verify that the provided documents meet guideline requirements.

• Update the Loan Origination System (LOS) based on received documents and ensure the document imaging system is accurately updated as well.

• Print final loan documents for inclusion in the file as necessary.

• Complete a checklist while reviewing loans for clear to close status.

• Ensure all requirements are fulfilled before issuing the clear to close notification.

• Collaborate with the closing department to address discrepancies between final loan approval and closing terms (e.g., PITIA, cash to close, seller credits, etc.).

• Review and resolve post-closing underwriting conditions to facilitate timely funding or purchasing of loans.

• Verify that all gathered information is accurate, complies with standards, and aligns with company policies and guidelines.

• Effectively communicate with sales, business partners (Brokers/NDC Clients), and internal team members.

• Uphold company productivity, service level, and turnaround time standards.

• Address audits and post-closing issues promptly.

• Maintain a solid understanding of Non-QM, TPO, and/or NDC guidelines and policies.

• Perform additional related duties as assigned.

⛳️ Requirements

• Minimum of 3 years of prior mortgage experience.

• At least 2 years of processing or junior underwriting experience.

• Preferred experience in Non-QM underwriting.

• Bachelor's degree is preferred.

🏝️ Benefits

• Medical Plan.

• Dental Plan.

• Vision Plan.

• GAP Insurance.

• Life Insurance provided by the company.

• Voluntary Life Insurance.

• 401K.

• Pet Insurance.

• Legal Shield/ID Shield.