Non-QM Mortgage Solutions Architect

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

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