Remote Non-QM Mortgage Underwriter (DSCR/1099)

Lendz Financial; United States; Remote; USD 80,000 - 120,000; Full time

Benefits offered by this job

Highly subsidized medical insurance

Low-cost dental and vision insurance

401(k) program

Health Savings Account (HSA)

Generous PTO and holidays

Training and mentorship

Job summary

Lendz Financial is seeking a motivated Non-QM Underwriter to join our remote operations team. You will underwrite complex loan files across Non-QM programs, including Bank Statement, DSCR, Asset Utilization, and 1099 income, collaborating with Sales, Account Managers, and Operations.

This fully remote role offers ongoing coaching, clear performance expectations, and opportunities for professional growth within a high-accountability environment.

Qualifications

• 2–5 years of mortgage underwriting experience.
• Exposure to Non-QM or alternative documentation loans.
• Familiar with DSCR, 1099 income, asset depletion/utilization.

Responsibilities

• Underwrite residential mortgage loan applications in compliance with company, investor, and regulatory guidelines.
• Analyze borrower credit, assets, and income, including complex scenarios such as self-employed borrowers and 1099 income.
• Review and evaluate documentation (12- and 24-month bank statements, P&Ls, cash flow).
• Maintain underwriting pipeline to meet SLAs and productivity benchmarks.
• Provide clear, well-documented underwriting decisions and conditions.
• Partner with Loan Officers and Operations to move loans toward closing.

Skills

Mortgage underwriting

Non-QM products

DSCR

Income analysis

Job description

Lendz Financial is seeking a motivated Non-QM Underwriter to join our remote operations team. You will underwrite complex loan files across Non-QM programs, including Bank Statement, DSCR, Asset Utilization, and 1099 income, collaborating with Sales, Account Managers, and Operations.

This fully remote role offers ongoing coaching, clear performance expectations, and opportunities for professional growth within a high-accountability environment.