Non-QM Mortgage Underwriter — Detail‑Driven & Fast‑Paced

Epm; United States; Remote; USD 75.000 - 100.000; Vollzeit

Zusammenfassung

EPM is seeking a Non-QM Underwriter to join our team in Atlanta, GA. You will analyze and underwrite residential loans outside traditional guidelines, including bank statements, 1099, DSCR, and self-employed profiles, ensuring clear, well-supported decisions.

The ideal candidate will have 3+ years in mortgage underwriting, with recent Non-QM and wholesale experience, and strong income analysis, regulatory knowledge, and proficiency with Encompass LOS and AUS systems.

Qualifikationen

• 3+ years of mortgage underwriting experience.
• Recent experience in Non-QM and wholesale underwriting.
• Knowledge of Non-QM, Jumbo, and residential loan products.
• Strong understanding of income analysis, compliance regulations, and appraisal review.
• Proficiency with Encompass LOS and AUS systems preferred.

Aufgaben

• Review and underwrite Non-QM loans including Bank Statement, 1099, DSCR, Full Doc, and Self-Employed borrower profiles.
• Analyze complex income documentation including personal and business tax returns and bank statements.
• Evaluate credit, income, and collateral to determine loan eligibility.
• Issue clear underwriting decisions and communicate required conditions effectively.
• Work closely with brokers and internal teams to clarify documentation and guidelines.
• Ensure compliance with all regulatory and company standards.
• Additional responsibilities related to business needs.

Kenntnisse

Non-QM underwriting

Wholesale underwriting

Income analysis

Encompass LOS

Ausbildung

High school diploma

College degree preferred

Tools

AUS systems

Jobbeschreibung

EPM is seeking a Non-QM Underwriter to join our team in Atlanta, GA. You will analyze and underwrite residential loans outside traditional guidelines, including bank statements, 1099, DSCR, and self-employed profiles, ensuring clear, well-supported decisions.

The ideal candidate will have 3+ years in mortgage underwriting, with recent Non-QM and wholesale experience, and strong income analysis, regulatory knowledge, and proficiency with Encompass LOS and AUS systems.