Non-QM Underwriter

The Non-QM Underwriter is responsible for evaluating and decisioning mortgage applications that fall outside traditional agency guidelines, with a focus on DSCR, Bank Statement, Asset Depletion, and self-employed borrower programs. This role requires advanced analysis of borrower capacity, collateral, and creditworthiness through review of supporting documentation such as credit reports, income and asset verification, bank statements, tax returns, appraisals, and fraud prevention tools. The Non-QM Underwriter applies sound credit judgment while ensuring compliance with company policies, investor requirements, and regulatory standards. This position plays a critical role in balancing risk management with service excellence for both internal and external partners.