Mortgage Underwriter

Lendz Financial; Fort Lauderdale (FL); Remote; USD 65,000 - 85,000; Full time

Job summary

Lendz Financial recherche un Underwriter Non-QM expérimenté pour rejoindre son équipe. Ce poste à distance est crucial pour le succès de nos opérations hypothécaires, impliquant l'analyse de dossiers complexes et la conformité aux réglementations. Le candidat idéal aura une solide expérience en souscription et de fortes compétences en communication.

Benefits

Assurance médicale hautement subventionnée

Assurance dentaire et vision à faible coût

Programme 401(k)

Compte d'épargne santé (HSA)

Congés payés généreux et jours fériés

Opportunités d'apprentissage et de développement

Environnement de travail collaboratif et amical

Qualifications

• Minimum 5 ans d'expérience en souscription de prêts hypothécaires.
• Au moins 2 ans d'expérience pratique en souscription Non-QM.
• Expertise dans l'analyse de sources de revenus complexes.

Responsibilities

• Souscrire des demandes de prêts hypothécaires conformément aux directives.
• Analyser les revenus des emprunteurs, y compris les structures complexes.
• Maintenir la qualité et la conformité tout au long du cycle de prêt.

Skills

Communication

Collaboration

Problem Solving

Time Management

Decision Making

Job description

Lendz Financial offers a full-service direct wholesale residential mortgage lending platform, focused on helping mortgage brokers grow their loan origination volume with simplified processes and intuitive, tech-based solutions. We emphasize a modern, customer-centric approach, offering competitive rates, a diverse range of products, and rapid turnaround times. Committed to delivering a world-class experience for our broker partners, we streamline the lending process to ensure a smooth journey from application to closing. Our core valuesThrive Together, Act Like an Owner, and Exceed Expectationscultivate a collaborative, high-performance culture that drives our pursuit to become the undeniable leader in mortgage lending. Lendz is proud to be certified as a Great Place to Work

Job Summary :

Lendz Financial is seeking an experienced and detail-oriented Non-QM Underwriter to join our growing team. This position is critical to the success of our mortgage operations and focuses on underwriting complex loan files, with an emphasis on Non-QM products such as Bank Statement, DSCR, and Asset Utilization programs.This is a fully remote position.

Responsibilities :

• Underwrite mortgage loan applications in compliance with investor and company guidelines
• Act as the subject matter expert on all Lendz Financial programs, with a focus on Non-QM products
• Perform an average of 5 underwrites per day, adjusted for volume
• Maintain underwriting queue in accordance with established SLAs
• Achieve and maintain quality benchmarks :
• Analyze borrower income, including complex structures such as self-employed, 1099, and asset depletion
• Review 12- and 24-month personal / business bank statements, P&Ls, and cash flow statements
• Ensure full compliance with federal, state, and investor regulations
• Make clear, well-documented underwriting decisions aligned with company and program guidelines
• Provide written justifications for underwriting outcomes and loan conditions
• Deliver exceptional support to loan officers, operations, and borrowers throughout the loan lifecycle
• Collaborate with internal teams to evolve program guidelines and compliance standards
• Partner with Account Managers and Sales to resolve file-level issues and clarify conditions
• Stay current on industry trends, guideline changes, and regulatory updates

Qualifications :

• Minimum 5 years of mortgage underwriting experience required
• At least 2 years of hands-on Non-QM underwriting experience
• Expertise in analyzing complex income sources including :

Bank Statement Programs

• Self-employed borrower income
• Business financial documentation
• Familiarity with common Non-QM programs such as DSCR, Asset Utilization, and 1099-only products
• Excellent communication skills and a collaborative mindset
• Strong time management and the ability to prioritize in a fast-paced environment
• Proven problem-solving abilities and sound judgment in loan decisioning

Benefits :

• Highly subsidized medical insurance
• Low-cost dental and vision insurance
• 401(k) program
• Health Savings Account (HSA)
• Generous paid time off and company holidays
• Learning and development opportunities
• Friendly, collaborative work environment

Compensation :

The approximate compensation range for this position is $65,000 to $85,000 in annual salary. The actual offer, reflecting the total compensation package, will be determined based on factors including the candidate's experience, skills, and location.

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