Non-QM Underwriter

EPM; United States; On-site; USD 75,000 - 130,000; Full time

Job summary

A leading mortgage lender is seeking a Non-QM Underwriter to analyze and underwrite residential mortgage loans outside traditional agency guidelines. Ideal candidates will be detail-oriented and thrive in a fast-paced environment, with a minimum of 3 years of mortgage underwriting experience.

Qualifications

• 3+ years of mortgage underwriting experience required.
• Recent experience in Non-QM and wholesale underwriting required.
• Knowledge of Non-QM, Jumbo, and residential loan products.

Responsibilities

• Review and underwrite Non-QM loans including various borrower profiles.
• Analyze complex income documentation including tax returns and bank statements.
• Issue clear underwriting decisions and communicate required conditions.

Skills

Detail-oriented

Highly analytical

Strong understanding of income analysis

Excellent communication skills

Decision-making skills

Technologically savvy

Education

High school diploma required; college degree preferred

Tools

Encompass LOS

Job description

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EPM is growing, and we are seeking a Non-QM Underwriter to join our team. You’ll be responsible for analyzing and underwriting residential mortgage loans that fall outside traditional agency guidelines and issuing clear, well-supported underwriting decisions. The ideal candidate is detail-oriented, highly analytical, and thrives in a fast-paced, high-volume environment. If this sounds like you, apply today!

Key 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.
  
  
  

Qualifications & Skills

• High school diploma required; college degree preferred.
• 3+ years of mortgage underwriting experience required.
• Recent experience in Non-QM and wholesale underwriting required.
• 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.
• Excellent communication, decision-making, and organizational skills.
• Technologically savvy and adaptable to fast-paced environments.
  
  
  

About EPM

Founded at the height of the mortgage crisis in 2008, EPM has rapidly evolved into one of the leading mortgage lenders in the U.S. Our new mission, launched in early 2020, emphasizes our commitment: "We are a resource, and voice, for financial empowerment." This mission underscores our dedication to fostering financial literacy and accessibility within the communities we serve.

EPM's vision is clear: we strive to offer top-tier financial services, exceptional communication, and unwavering assistance to our clients. Our goal is not only to facilitate homeownership but also to empower individuals and families through informed financial decisions.

Headquartered in Atlanta, GA, EPM is licensed in 50 states and provides an array of lending resources such as Conventional, FHA, VA, 203K, Reverse, and USDA loans. Additionally, we are proud to be a trusted Seller/Servicer for Fannie Mae, Freddie Mac, and Ginnie Mae, ensuring that our clients have access to reliable and competitive financing options.

At EPM Wholesale, we are committed to fostering a diverse and inclusive workplace where all individuals are valued and respected. We believe that a variety of perspectives enhances our team and drives innovation. Our hiring process adheres to fair employment practices, ensuring that all candidates receive equal consideration based on their qualifications and abilities. We encourage applicants from all backgrounds to apply and join us in creating an inclusive environment that reflects the communities we serve.

Candidate Acknowledgment Statement

By clicking "Apply for this Job," I acknowledge that I have reviewed, understand, and agree to the terms outlined in the linked EPM Legal Statement and Application Addendum.

Seniority level

• Seniority level

  Not Applicable

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

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