Senior Non-QM Underwriter

Wanted : 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" button

and 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)
• Perform other duties as assigned.

Qualifications

To be successful, candidates must demonstrate strong technical underwriting ability, attention to detail, and a high degree of analytical judgment.

Education and Experience

If you’re a Senior Non-QM Wholesale Underwriter eager to make an impact in a dynamic mortgage company, we’d love to hear from you! Apply directly or email your resume to Stephen@Jobot.com

Interested in hearing more? Easy Apply now by clicking the "Apply" 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. Jobot will consider qualified candidates with criminal histories in a manner consistent with any applicable federal, state, or local law regarding criminal backgrounds, including but not limited to the Los Angeles Fair Chance Initiative for Hiring and the San Francisco Fair Chance Ordinance.

Information collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com / legal.

By applying for this job, you agree to receive calls, AI-generated calls, text messages, or emails from Jobot, and / or its agents and contracted partners. Frequency varies for text messages. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages. You can reply STOP to cancel and HELP for help. You can access our privacy policy here : jobot.com / privacy-policy