Non-QM Loan Solution Specialist

Averra Financial, Inc.; Plano (TX); On-site; USD 90,000 - 130,000; Full time

Job summary

Averra Financial, Inc. in Plano, TX is seeking a Non-QM Loan Solution Specialist to structure and underwrite complex loans, primarily DSCR and bank statement programs.

This full-time, in-office role requires deep mortgage underwriting experience, strong problem-solving, and the ability to explain decisions to internal teams and clients. You will collaborate across underwriting, processing, sales, and closing to move loans forward, ensure policy compliance, and deliver exceptional service to

Qualifications

• Extensive mortgage underwriting experience with non-QM lending.
• Experience with DSCR and bank statement loan programs.
• Ability to explain underwriting decisions to partners and clients.
• Strong knowledge of investor guidelines and credit risk.

Responsibilities

• Structure or restructure loans to meet borrower objectives within policy.
• Develop alternatives when loans face challenges and explore program options.
• Collaborate with internal stakeholders to resolve exceptions and determine the best path forward.
• Communicate clearly and drive toward resolution while balancing risk.

Skills

Mortgage underwriting

Non-QM lending

DSCR loans

Bank statement loans

Credit analysis

Investor guidelines

Phone-based support

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Non-QM Loan Solution Specialist

Operations Support Full Time Plano Corp Office, Plano, TX, US

2 days ago Requisition ID: 1032

Creative Loan Structuring & Problem-Solving

• Think beyond the obvious to structure or restructure loans that meet borrower objectives while remaining within applicable credit policy, investor guidelines, and compliance requirements.
• Develop practical alternatives when a loan encounters challenges, including exploring eligible program options, qualifying approaches, documentation strategies, and changes to the proposed structure.
• Partner with internal stakeholders to evaluate options, resolve exceptions, and determine the most effective path forward.
• Approach challenging files with a solutions-first mindset: understand the issue, identify viable options, communicate clearly, and drive toward resolution.
• Balance creativity with disciplined risk management and sound credit judgment.
• Apply strong mortgage underwriting and credit analysis skills to complex non-QM loan scenarios, particularly DSCR and bank statement loans.

Best-in-Class Customer Service

• Deliver an exceptional, primarily phone-based customer experience through proactive communication, responsiveness, professionalism, and a genuine desire to help.
• Confidently explain complex underwriting decisions, loan requirements, conditions, and available options to internal and external partners.
• Take ownership of challenging conversations and escalations, communicating clearly and setting realistic expectations.
• Build trust by being accessible, knowledgeable, dependable, and focused on solutions rather than simply identifying problems.
• Maintain urgency and follow-through without compromising accuracy or service quality.

Cross-Functional Collaboration & Operational Excellence

• Coordinate across underwriting, processing, sales, closing, secondary marketing, and other departments to reduce friction and keep complex loans moving.
• Serve as a central point of coordination for challenging scenarios that require input or action from multiple teams.
• Anticipate downstream issues, clarify ownership, and proactively close communication gaps before they become bottlenecks.
• Translate complex credit or investor requirements into clear, actionable next steps for the teams involved.
• Help improve workflows, communication, and processes as the company scales.
• Demonstrate a strong understanding of investor requirements, loan eligibility, credit parameters, and program-specific nuances.
• Understand how loan structure and individual loan characteristics can affect eligibility, execution, and available options.
• Bonus: Experience with the pricing or lock desk, including rate sheets, pricing engines, loan-level adjustments, lock procedures, extensions, relocks, and secondary market execution.
• Collaborate effectively with secondary marketing and pricing teams to support efficient, informed loan decisions.

What We’re Looking For

• Significant mortgage underwriting experience, specifically non-QM lending.
• Strong, hands-on experience with both DSCR and bank statement loan programs.
• Demonstrated ability to analyze complex scenarios and recommend practical, well-supported solutions.
• Strong knowledge of investor guidelines, eligibility requirements, and credit risk considerations.
• Excellent verbal communication skills and confidence handling frequent phone conversations.
• A highly organized, detail-oriented approach with strong follow-through and the ability to manage competing priorities.
• Proven ability to coordinate across departments and influence outcomes without relying on formal authority.
• A customer-first mindset paired with sound judgment, accountability, and a sense of urgency.
• Comfort working in a fast-paced, evolving environment where priorities shift and new challenges arise.
• A proactive, entrepreneurial attitude and genuine enthusiasm for helping build a growing business.
• Ability to work in-office in Plano, Texas.

Why Join Us?

• Be part of a growth story. Join a fast-growing lender where your contributions can have a meaningful impact.
• Make a real difference. Help solve complex lending challenges and improve the experience for customers and internal teams.
• Think creatively. Bring your expertise and judgment to a role that values solutions, ownership, and continuous improvement.
• Build with the business. Work alongside a collaborative team that is focused on growth, execution, and doing things the right way.
• Help shape what comes next. Contribute ideas, improve processes, and help build a stronger operation as we scale.