Non-QM Underwriter

Acrisure Mortgage, LLC; Orlando (FL); Remote; USD 70,000 - 110,000; Full time

Job summary

Acrisure Mortgage, LLC is seeking an experienced Non‑QM Underwriter to join a fast‑paced production team in a remote capacity. The role focuses on detailed credit analysis across complex Non‑QM loan products and ensuring sound underwriting decisions with exceptional service.

You will review income, assets, and documentation, issue decisions, and maintain high quality in a high‑volume environment while staying current with investor guidelines and regulatory requirements.

Qualifications

• 2+ years in Non-QM underwriting.
• Experience underwriting Non-QM loans with delegated authority preferred.
• Strong knowledge of alternative documentation lending programs.
• Extensive experience reviewing self-employed borrower income and complex financials.
• Ability to interpret multiple investor guidelines.
• Excellent analytical, organizational and decision-making skills.
• Clear, professional underwriting communications.
• Ability to thrive in a deadline-driven production environment.

Responsibilities

• Independently review and underwrite Non‑QM mortgage loan applications.
• Evaluate borrower credit, income, assets, collateral, and loan eligibility.
• Analyze complex income documents: self‑employment, tax returns, bank statements, asset depletion, rental income, K‑1s, alternative income.
• Issue underwriting decisions (approvals, conditions, suspensions, denials) per guidelines.
• Ensure loans meet regulatory, compliance, and investor requirements.
• Maintain underwriting turn times with a high-volume pipeline.
• Communicate decisions clearly with Loan Officers, Processors, and Operations.
• Assist with loan scenarios and guidance on complex transactions.
• Maintain high quality standards by minimizing revisions and post‑closing findings.
• Stay current on Non‑QM products and industry regulations.

Skills

Non-QM underwriting

Delegated authority

Alternative documentation

Self-employed income

Investor guidelines

Analytical skills

Organizational skills

Decision-making

Communication skills

Deadline-driven

Tools

Encompass

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Non‑QM Underwriter

Acrisure Mortgage is looking for an experienced Non‑QM Underwriter to join our growing team. We are seeking a detail‑oriented mortgage professional with strong credit analysis skills and extensive experience underwriting complex Non‑QM loan products. If you thrive in a fast‑paced production environment and are passionate about making sound credit decisions while delivering exceptional service, we'd love to hear from you!

What You'll Do

• Independently review and underwrite Non‑QM mortgage loan applications.
• Evaluate borrower credit, income, assets, collateral, and overall loan eligibility.
• Analyze complex income documentation, including self‑employed borrowers, business tax returns, bank statements, asset depletion, rental income, K‑1s, and other alternative income sources.
• Issue underwriting decisions, including approvals, conditions, suspensions, and denials, in accordance with company and investor guidelines.
• Ensure loans meet all applicable regulatory, compliance, and investor requirements.
• Maintain established underwriting turn times while managing a high‑volume pipeline.
• Communicate underwriting decisions clearly and professionally with Loan Officers, Processors, and Operations teams.
• Assist with loan scenarios and provide guidance on complex transactions when needed.
• Maintain high quality standards by minimizing revisions, suspense conditions, and post‑closing findings.
• Stay current on Non‑QM products, underwriting guidelines, and industry regulations.

What We're Looking For

• Minimum of 2 years of recent Non‑QM underwriting experience.
• Experience independently underwriting Non‑QM mortgage loans with delegated authority preferred.
• Strong knowledge of alternative documentation lending programs.
• Extensive experience reviewing self‑employed borrower income and complex financial documentation.
• Ability to analyze and interpret multiple investor guidelines.
• Excellent analytical, organizational, and decision‑making skills.
• Strong communication skills with the ability to clearly explain underwriting decisions.
• Ability to work efficiently in a deadline‑driven production environment.

Preferred Product Experience

Experience underwriting one or more of the following loan types:

• Bank Statement
• DSCR (Debt Service Coverage Ratio)
• Asset Depletion
• P&L Only
• Interest Only
• Jumbo
• ITIN
• 1099 Income

Preferred Skills

• Experience using Encompass or a similar Loan Origination System.
• Ability to underwrite approximately 25–35+ loans per month, depending on complexity.
• Consistent history of meeting production, quality, and turnaround expectations.
• Experience maintaining strong audit results and low defect rates.
• Comfortable working remotely in a production‑based underwriting environment.

Why Join Acrisure Mortgage?

At Acrisure Mortgage, you'll join a collaborative team that values accuracy, efficiency, and exceptional customer service. We provide an environment where experienced underwriters are empowered to make informed credit decisions while supporting borrowers and business partners throughout the lending process. If you're looking to grow your career with an established and respected mortgage lender, we'd love to meet you!

Acrisure Mortgage is an Equal Employment Opportunity/Affirmative Action Employer and maintains a Drug‑Free Workplace.