Non-QM Underwriter

Dream Finders Homes; Irvine (CA); Hybride; USD 90 000 - 120 000; Plein temps

Avantages offerts par ce poste

Health Insurance

Vacation & Holidays — generous PTO & 9

401(k) Savings Plan with company match

Employee Wellness and Employee Support

Home Purchase Discount for Associates

Pet Insurance

Résumé du poste

Jet HomeLoans, LP is a national mortgage lender hiring a Non-QM Underwriter to assess bank-statement and alternative income documentation, ensure salability under investor guidelines, and maintain compliance with TRID/TILA/ECOA/HMDA. The role involves complex income analysis, collaborating with sales, processing and compliance teams, and delivering timely closings.

The candidate will navigate evolving loan guidelines, leverage Encompass LOS, and contribute to KPI/KRI targets while maintaining

Qualifications

• 3–5 years of hands-on Non-QM mortgage underwriting experience.
• Strong working knowledge of Non-QM investor guidelines, bank-statement programs and alternative income documentation.
• Experience evaluating complex borrower scenarios and making independent underwriting decisions within guidelines.
• Deep knowledge of federal and state laws (TRID, TILA, ECOA and HMDA).
• Ability to write correspondence and present information to peers, borrowers and clients.

Responsabilités

• Underwriting Non-QM loans and supporting Conventional loans as needed.
• Ensure loans approved are salable and conform to investor/insurer guidelines.
• Stay updated on investor and insurer guidelines/programs.
• Analyze borrower income, assets and credit documentation.
• Close loans within the assigned pipeline and meet KPI metrics.
• Collaborate with sales, processing, underwriting, closing, and compliance teams.
• Respond to QA/QC reviews and report gaps to leadership.

Connaissances

Non-QM underwriting

Bank-statement programs

Complex income analysis

Underwriting decision making

Microsoft Excel

Outils

Encompass LOS

Loan origination software

Description du poste

Jet HomeLoans, LP is a National Mortgage Lender headquartered in Jacksonville, Florida. Jet HomeLoans focuses on providing its customers and business partners with the industry's best services.

#jethomeloans #mortgagejobs #newhomesales

Position Overview

• Underwriting Non-QM loans, including bank-statement and other alternative-documentation programs, with the ability to support Conventional (Fannie Mae/Freddie Mac) loans as business needs require.
• Ensuring loans approved are salable and conform to applicable investor and insurer guidelines.
• Keeping up with the most recent investor and insurer guidelines/programs.
• Adhering to company policies and procedures.
• Analyzing borrower income, including complex self-employed income, assets and credit/liabilities documentation.
• Calculating simple and complex income types using traditional and alternative documentation.
• Ensuring loans within the assigned pipeline close timely.
• Ensuring assigned company Key Risk Indicator (KRI) and Key Performance Indicator (KPI) metrics are met.
• Reviewing and solving complex loan issues.
• Developing and cultivating great working relationships with sales, processing, underwriting, closing, secondary and compliance teams and leaders.
• Researching and responding timely to internal Quality Assurance and Quality Control reviews.
• Reporting material process and policy infractions/gaps to Underwriting Leadership.
• A Non-QM Underwriter reports directly to an Underwriting Manager.

Required Experience

• 3–5 years of hands-on Non-QM mortgage underwriting experience.
• Strong working knowledge of Non-QM investor guidelines, bank-statement programs and alternative income documentation.
• Experience evaluating complex borrower scenarios and making independent underwriting decisions within established guidelines and approval authority.
• Deep knowledge of federal and state laws (e.g., TRID, TILA, ECOA and HMDA).
• Sound technical skills with the aptitude to learn/navigate loan origination software and other technologies.
• Able to write correspondence and to effectively present information to peers, borrowers and in some cases clients.
• Able to read and interpret various loan documents such as promissory notes, agency/investor and legal directives and other loan documents.
• Able to define problems, collect data, establish facts and provide information to resolve the situation.
• Able to work well under pressure and meet multiple and sometimes competing deadlines.
• Able to apply basic math; calculate figures and amounts such as discounts, interest, commissions and percentages.
• Basic computer skills required: word processing, email, and mortgage software.

Preferred Experience

• Conventional/QM underwriting experience and working knowledge of FNMA and FHLMC guidelines.
• Jumbo underwriting experience.
• Builder-affiliated mortgage lending experience.
• 2–3 years of Encompass Loan Origination System experience.
• Microsoft Excel proficiency.

Expectations

• Facilitate an excellent working relationship with internal and external customers by developing and maintaining respect, communicating effectively and providing excellent customer service.
• Maintain a high level of integrity, confidentiality, and trust.
• Effectively problem solve by using judgment based upon knowledge of existing management policies and departmental practices and procedures.
• Meet established productivity, loan quality and task management standards.
• Ensure confidentiality of client records.
• Demonstrate a commitment to the Company Culture.
• Respond to phone calls and emails within the same workday.

Workplace Requirements

• Able to navigate a standard office environment (remotely and/or in office).

Benefits

Benefits Our benefits include: Health Insurance - Medical, Dental & Vision; Vacation & Holidays -- generous PTO & 11 holidays; 401(k) Savings Plan with company match, Employee Wellness and Employee Assistance Programs, Home Purchase Discount for Associates, Pet Insurance.

• Health Insurance - Medical, Dental & Vision
• Vacation & Holidays -- generous PTO & 11 holidays
• 401(k) Savings Plan with company match
• Employee Wellness and Employee Assistance Programs
• Home Purchase Discount for Associates
• Pet Insurance

Compensation

n/a

Location(s)

310 Commerce , Suite 150 , undefined 92602 , United States

Posting Close Date

n/a