Non QM Underwriter (Pacific Time Zone)

Union Home Mortgage Corp.; United States; On-site; USD 70,000 - 110,000; Full time

Job summary

Union Home Mortgage Corp. is seeking an experienced Mortgage Underwriter to assess loan applications based on credit, employment, income, assets, appraisal reports, and investor guidelines.

You will make sound risk decisions that support quality standards and applicant success. In this role you will maintain 24–48 hour turn times, clear UTC conditions, stay current with investor and guideline changes, and ensure accuracy across loan types, rates, and documentation, while upholding UHM's

Qualifications

• 3+ years of experience as an underwriter in mortgage.
• Experience with Non QM loans.
• Bachelor’s degree or equivalent work experience preferred.
• Proficient in credit risk analysis and decision making.
• Strong writing and interpersonal communication.
• Attention to detail and ability to meet deadlines.
• Familiarity with Encompass LOS is a plus.

Responsibilities

• Maintain 24-48 hour turn times.
• Clear UTC conditions within 24 hours.
• Stay updated on investors, agency, and UHM guideline changes.
• Ensure accuracy of criteria for loan types, products, rates, documentation, and data.
• Maintain quality control ratings within company standards.
• Listen in on departmental huddles.
• Additional responsibilities as required.

Skills

Analytical skills

Interpersonal skills

Technical writing

Attention to detail

Teamwork

Judgement

Multi-tasking

Decision making

Education

Bachelor's degree

Tools

Encompass LOS

Job description

This position is responsible for the timely and accurate analysis and evaluation of loan applications based on a borrower's credit, employment, income, financial data, and asset profile, along with the appraisal report, and investor guidelines. An underwriter makes sound decisions that mitigate risk to the company, adhere to quality standards, and maximize the borrower's chances of obtaining and sustaining homeownership.

At UHM, we understand diversity comes in many different forms. It’s our commitment to improve inclusion in the workplace through programs and policies that establish a positive and inclusive environment where every Partner, regardless of their background, can grow and excel. We value diversity, educate on equity, and create inclusive partner opportunities to ensure that you know #UBelongAtUHM!

DUTIES & RESPONSIBILITIES Are As Follows.

• Maintain 24-48 hour turn times.
• Responsible for clearing UTC conditions within 24 hours.
• Responsible for remaining updated on all investors, agency, and UHM guideline changes along with any overlays.
• Ensure the accuracy of all necessary criteria for specific loan types, products, rates, applicable documentation, and data.
• Maintain quality control ratings within company standards.
• Listen in on departmental huddles.
• Additional responsibilities as required.

Qualifications

EDUCATION & EXPERIENCE

• 3+ years of experience as an Underwriter and complete knowledge of the mortgage business
• Must have experience with Non QM loans
• Bachelor’s degree or equivalent work experience preferred

Skills Required

• Strong analytical skills, especially in credit and risk, along with decision making skills
• Effective interpersonal skills and technical report writing skills.
• Attention to detail.
• Knowledge of Encompass LOS a plus
• Shows work commitment
• Personal organization
• Adaptability and flexibility
• Ability to multi-task and meet strict deadlines.
• Fosters teamwork
• Uses sound judgement
• Comfortable using financial/ quantitative data.