Non-QM Loan Solutions Architect

Automatic Data Processing, Inc.; Plano (TX); On-site; USD 85,000 - 125,000; Full time

Job summary

Automatic Data Processing, Inc. in Plano, TX is seeking a Non-QM Loan Solution Specialist to structure complex loan scenarios and guide them through underwriting and approvals.

The role emphasizes creative but disciplined credit analysis and customer-focused service. You will collaborate with underwriting, processing, and sales teams to reduce friction, explain decisions, and ensure timely loan movement within policy and investor guidelines.

Qualifications

• Extensive mortgage underwriting experience in non-QM lending.
• Strong knowledge of DSCR and bank‑statement loans.
• Excellent communication and decision‑making under pressure.

Responsibilities

• Structure or restructure non-QM loans to meet borrower goals while complying with policy and guidelines.
• Coordinate with underwriting, processing, and sales to move loans toward approval.
• Explain underwriting decisions clearly to internal and external partners.

Skills

Mortgage underwriting

Non-QM lending

DSCR loans

Bank statements

Tools

Pricing engines

Job description

Automatic Data Processing, Inc. in Plano, TX is seeking a Non-QM Loan Solution Specialist to structure complex loan scenarios and guide them through underwriting and approvals.

The role emphasizes creative but disciplined credit analysis and customer-focused service. You will collaborate with underwriting, processing, and sales teams to reduce friction, explain decisions, and ensure timely loan movement within policy and investor guidelines.