WHO WE ARE We are committed to a supportive, diverse, and inclusive culture, living our values of Rigor, Ownership, Curiosity, Kindness, and "Straight Up" to promote equality and financial empowerment. Intrigued? Say hello! WHO YOU ARE - Exceptional organizational, analytical, customer service, and communication skills - Excellent critical thinking, independent decision-making, and problem solving skills - Must be well-versed with current Non-QM regulations - Ability to work in a fast-paced, multi-tasked environment - Thorough knowledge of federal and state laws pertaining to the mortgage banking industry (i. e. : TILA, ECOA, RESPA, etc. ) - Strong ability to independently review and clear Title documentation, Appraisal reports (including complex, unique property types, SSR’s and CDA’s) and Full condo project reviews (warrantable, non-warrantable, new construction) - Strong knowledge of Trust documents - Strong knowledge of LLC and Corporation documents - Expert knowledge of AUS (DU, LP) results - Ability to underwrite/review complex purchase and refinance transactions - Ability to work independently as well as part of a team - A full understanding of current FNMA/FHLMC underwriting guidelines is required - Recent experience underwriting Non-QM loan programs - Strong understanding of Non-QM borrower profiles, income, and documentation requirements - Have a high-volume non-QM underwriting background while maintaining quality, accuracy, and meeting SLAs WHAT YOU’LL BE DOING - A thorough credit and collateral review of loan files to determine deficiencies and/or issues including calculating income using standard and alternative income calculation methods - Manually calculate income across all non-QM programs including complex self-employed borrower profiles, layered income sources and variable cash flow. - REO analysis - Reviewing title documents to ensure clear title at closing - Reviewing trust documents - Reviewing condo documents in alignment with client and investor guidelines for warrantable and non-warrantable condos.
- Concise and accurate conditioning of loan files. - Meet contractual turn times for initial, resubmission, and CTC reviews without sacrifice to quality. - Analyze complex, high page count tax returns - Communicate (telephone, email, and/or client communication portal) with the processor, LO, and client account managers in a professional manner in order to assist in moving files to a final underwriting approval in alignment with the Close of Escrow and/or lock expiration dates. - Concise and accurate input of data into the LOS - Accurately analyze AUS (FNMA, FHLMC) results - Complete a comprehensive review and sign off of appraisals, SSR’s (CU, LCA) and CDAs - Clear conditions while meeting turn-time requirements - Maintain acceptable quality control and post-closing error metrics - Ability to train and mentor peers - Support and work on multiple loans for one borrower. You could have up to ten (10) loans for 1 borrower. - Evaluate Non-QM loan applications to ensure compliance with client, investor guidelines, overlays, and company policies - Identify and mitigate potential risks associated with Non-QM loans - Read and interpret multiple sets of client and investor underwriting guidelines IDEALLY, YOU’LL HAVE - 5+ years recent, hands-on experience in Non-QM underwriting - Experience with Non-QM loan origination systems and software - Experience and demonstrated ability to calculate full and alternative document income methods (DSCR, 1099, asset utilization, asset depletion, 12 and 24-month bank statement, tax returns, VOE, P&L, short-/long-term rental income - or any combination thereof which could also include W2, OT, bonus, and commission, Retirement, SSN, Alimony, child support, monthly maintenance) - Compensation Range: $36. 06/hr - $38. 46/hr depending on experience.
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