NonQM Underwriter

Acrisure Mortgage LLC; Orlando (FL); Remote; USD 75,000 - 110,000; Full time

Benefits offered by this job

Remote work option

Job summary

Acrisure Mortgage is seeking an experienced Non-QM Underwriter to join our growing team. This role requires strong credit analysis skills and the ability to underwrite complex Non-QM loan products in a fast-paced, production environment.

You'll independently review loan applications, evaluate income and assets, issue underwriting decisions, and ensure compliance with investor guidelines while meeting turnaround targets. Remote work is supported for qualified candidates.

Qualifications

• Minimum of 2 years of recent Non-QM underwriting experience.
• Experience 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.

Responsibilities

• 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.

Skills

Non-QM underwriting

Alternative income analysis

Investor guideline interpretation

Self-employed borrower income review

Analytical decision making

Remote work adaptability

Tools

Encompass

Job description

Job Description

Job Description

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
• Foreign National
• 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. Applicants must complete all interviews without the use of AI or automated tools.