Underwriter

Bluepointmtg; Newport Beach (CA); Presencial; USD 70.000 - 90.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Competitive salary and performance-based incentives

Growth opportunities

Supportive, team-oriented culture

Descripción de la vacante

A leading mortgage company in Newport Beach is hiring an experienced Non-QM Underwriter to analyze and evaluate loan applications. This role focuses on Non-QM products and requires strong attention to detail, risk assessment skills, and a solid understanding of compliance guidelines. Join a dynamic team that values collaboration and growth opportunities in the fast-paced wholesale mortgage environment.

Formación

• Deep knowledge of alternative documentation loan programs (Bank Statement, DSCR, P&L Only, etc.)
• Strong understanding of compliance guidelines (ATR/QM, TRID, RESPA, TILA, etc.)
• Ability to work independently in a fast-paced environment.

Responsabilidades

• Review and underwrite Non-QM mortgage loans including various alternative documentation products.
• Analyze credit, income, assets, collateral, and borrower qualifications.
• Provide clear communication regarding loan decisions and guidelines.

Conocimientos

Attention to detail

Critical thinking

Risk assessment

Communication skills

Educación

Minimum 3–5 years of mortgage underwriting experience

Minimum 2 years focused on Non-QM products

Herramientas

AUS systems (DU, LP)

Descripción del empleo

Location: Newport Beach, CA

Department: Operations

Employment Type: Full-Time

About the Company

BluePoint Mortgage is committed to helping independent mortgage brokers gain a larger share of the market by providing excellent service and a seamless process that will improve the experience for their borrowers.

With over 30 years in the industry and an unwavering focus on the wholesale channel, BluePoint Mortgage has consistently provided its brokers with exceptional resources and pricing on investment property loans (DSCR), bank statement loans, various non-QM products, and Conventional, VA, and FHA programs.

BluePoint Mortgage has been recognized as a top wholesale mortgage lender by Scotsman Guide and has been awarded the OC Register’s top workplace multiple years in a row.

About the Role

We are seeking an experienced Non-QM Underwriter to join our growing team. This individual will be responsible for analyzing, evaluating, and underwriting mortgage loan applications outside of standard agency guidelines (Non-QM). The ideal candidate is detail-oriented, decisive, and knowledgeable in alternative documentation programs such as bank statement, DSCR, 1099, P&L only, and ITIN loans.

As part of a fast-paced wholesale mortgage environment, the Non-QM Underwriter will partner closely with Account Executives, brokers, processors, and credit/risk teams to ensure loans are underwritten accurately, timely, and in compliance with investor and company guidelines.

Key Responsibilities

• Review and underwrite Non-QM mortgage loans including Bank Statement, DSCR, P&L Only, 1099, ITIN, and other alternative documentation products.
• Analyze credit, income, assets, collateral, and borrower qualifications to determine loan eligibility.
• Ensure loans meet company credit policies, investor requirements, and regulatory compliance standards.
• Provide clear and timely communication to Account Executives, brokers, and internal staff regarding loan decisions, conditions, and guidelines.
• Render sound underwriting decisions with the ability to document and support risk assessments.
• Identify and elevate exceptions when warranted, balancing risk with business objectives.
• Stay current on Non-QM product updates, secondary market changes, compliance regulations, and industry best practices.
• Contribute to process improvements that enhance efficiency, service, and loan quality.

Qualifications

• Minimum 3–5 years of mortgage underwriting experience, with at least 2 years focused on Non-QM products.
• Deep knowledge of alternative documentation loan programs (Bank Statement, DSCR, P&L Only, 1099, ITIN, Asset Utilization, etc.).
• Proficiency in AUS systems (DU, LP)
• Strong understanding of federal, state, and investor compliance guidelines (ATR/QM, TRID, RESPA, TILA, HOEPA, HMDA, etc.).
• Exceptional attention to detail, critical thinking, and risk assessment skills.
• Ability to work independently in a fast-paced, deadline-driven wholesale lending environment.
• Excellent written and verbal communication skills for effective collaboration with sales and operations teams.
• DE/LAPP/SAR designations a plus but not required.

What We Offer

• Competitive salary and performance-based incentives
• Growth opportunities in a dynamic, expanding Non-QM lending environment
• Supportive, team‑oriented culture with strong leadership and vision

BluePoint Mortgage Culture

BluePoint Mortgage is built for brokers—because we’ve been 100% broker-focused for over 30 years. We believe that when brokers succeed, we all succeed. That’s why our culture is centered on simplicity, responsiveness, and genuine partnership.

We streamline every step of the process so you can stay focused on closing loans—not chasing paperwork. File uploads take just seconds, and instant status updates keep your pipeline moving.

What really sets BluePoint apart is our team. Our award‑winning Account Executives, underwriters, and operations specialists are known for fast answers, personal service, and hands‑on coaching. We believe in helping brokers grow their business—because your success fuels ours.

As a direct seller to Fannie Mae, Freddie Mac, and Ginnie Mae, we deliver competitive pricing and flexible guidelines. That means more volume and faster growth for our partners. It’s no surprise that over 2,500 brokers trust us—and that we’ve been named an OC Register Top Workplace seven years running.

BluePoint is growing fast and expanding nationwide. If you’re looking for a place where culture matters, where people take pride in helping each other win, and where your career can thrive—come join us. We’re hiring Account Executives and other wholesale mortgage roles right now. Let’s build something great together.

Celebrating Team Spirit and Achievements at BluePoint Mortgage — A Team Built on Dedication & Commitment.