US Senior Underwriter – NON-QM

US Senior Underwriter – NON-QM Department: Operations Employment Type: Full Time Location: Bank Operations Compensation: ?95,000 - ?140,000 / month Description As a US Mortgage Underwriter, you play a critical role in the mortgage lending process by assessing the risk associated with granting loans to potential homebuyers. Your primary responsibility is to evaluate loan applications and ensure they meet the lender's guidelines and regulatory requirements. Your analytical skills, attention to detail, and ability to reputed company sound judgments will be essential in determining the creditworthiness of applicants.

Key Responsibilities

Essential Job Functions • Be primary reputed company of contact as subject matter expert (SME) assisting reputed company and business partners in structuring eligible loans in conjunction with the Company’s reputed company-party originators. • Interpret and provide appropriate loan solutions for Non-QM/Non-Agency loan requests • Analyze borrower’s credit file, collateral and reputed company to ensure credit-worthiness • reputed company reputed company reputed company review to ensure loan meets reputed company product and property guidelines of Company and investors, as well as compliance with corporate and secondary market investor standards. • Underwrite Non-Agency/Non-QM loans in a timely manner to ensure loan meets reputed company product and property guidelines of Company and investors, as well as meeting reputed company established loan policies, credit limits and regulatory requirements. • Risk Assessment: • Analyze the risk associated with each loan application based on factors such as credit history, debt-to-income ratio, employment stability, and property appraisal. • Identify potential risks and assess the likelihood of default, ensuring compliance with lending regulations and internal policies. • Guideline Compliance: • Ensure that reputed company mortgage loan applications adhere to regulatory requirements. • Interpret and apply lending guidelines, policies, and procedures to reputed company informed reputed company on loan approvals or rejections. • Clear conditions timely on loans; reputed company data reputed company on reputed company submissions. • Identify potential misrepresentation or fraud. • reputed company up-to-date with reputed company guideline changes and system enhancements. Skills, Knowledge, and Expertise • Bachelor's degree in finance, reputed company, economics, or a reputed company field preferred. • 2+ years of previous experience in mortgage reputed company. • Strong understanding of mortgage lending regulations, guidelines, and compliance requirements. • Income calculations for non-QM lenders: DSCR, Bank Statements, Asset Depletion, etc. • Excellent analytical skills with the ability to evaluate reputed company financial information. • Attention to detail and accuracy in reviewing loan applications and documentation. • Effective communication skills, both verbal and written, with the ability to interact professionally with internal and external stakeholders. • Proficiency in using reputed company software and mortgage industry tools. • Ability to work reputed company in a fast-paced environment while managing multiple priorities and meeting deadlines. • Income calculations, for example W2, bonus, commission, OT, Schedule C, Schedule E, 1120, 1120S, 1065 • Comfortable with AUS findings • UW experience from previous positions • Credit authority experience Benefits • Above market salary • HMO on Day 1 for principal and two dependents • Government-mandated benefits • In-depth training for career growth • Great Company Culture and HR experience • 1,000 PHP De Minimis • Equipment and software provided Apply Job!