Non-QM Mortgage Underwriter — Fast-Paced, Detail-Driven

Equity-Prime-Mortgage; United States; Remote; USD 70,000 - 100,000; Full time

Job summary

Equity-Prime-Mortgage (EPM) is seeking a Non-QM Underwriter in Atlanta, GA to analyze and underwrite residential loans outside traditional agency guidelines.

The role requires deep knowledge of Non-QM and wholesale underwriting, strong income analysis, and the ability to issue clear, well-supported underwriting decisions while coordinating with brokers and internal teams. EPM emphasizes a collaborative culture and compliant, high-volume processing.

Qualifications

• 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

Responsibilities

• 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.

Skills

Mortgage underwriting

Non-QM knowledge

Income analysis

Compliance knowledge

Appraisal review

Encompass LOS

Communication

Organizational skills

Education

High school diploma

College degree preferred

Tools

Encompass LOS

AUS systems

Job description

Equity-Prime-Mortgage (EPM) is seeking a Non-QM Underwriter in Atlanta, GA to analyze and underwrite residential loans outside traditional agency guidelines.

The role requires deep knowledge of Non-QM and wholesale underwriting, strong income analysis, and the ability to issue clear, well-supported underwriting decisions while coordinating with brokers and internal teams. EPM emphasizes a collaborative culture and compliant, high-volume processing.