Remote Senior Non-QM Underwriting Manager (East Coast)

Kind Lending | NMLS #3925; Irvine (CA); On-site; USD 130,000 - 150,000; Full time

Job summary

Kind Lending is seeking an experienced NON-QM Underwriting Manager to lead the underwriting team responsible for evaluating residential mortgage loan applications with focus on risk management, compliance, and investor guideline adherence.

The role supports a remote workforce with EAST COAST time zone options. The starting base pay ranges from $130k to $150k annually, with actual compensation based on experience and business needs.

Qualifications

• 7+ years in wholesale mortgage underwriting with supervisory experience.
• Bachelor's degree in finance, business, economics, or related field (or equivalent work experience).
• Solid knowledge of NON-QM and FNMA underwriting guidelines and requirements.
• Focus on income type products (DSCR, Bank Statement, Asset Utilization, 1099, WVOE).
• Strong leadership with proven coaching and development of teams.
• In-depth knowledge of mortgage regulations, compliance standards, and industry best practices.
• Expertise with underwriting software; familiarity with Blue Sage LOS.
• Strong manual underwriting skills for NON-QM programs.
• Analytical mindset to assess credit and risk.
• Strategic thinking to refine underwriting policies.
• Excellent communication with sales partners and internal stakeholders.
• Detail-oriented and able to perform under pressure.

Responsibilities

• Manage Underwriting Team Lead and 8-10 underwriters, providing guidance and training.
• Serve as escalation point for complex or high-risk cases.
• Lead audits of underwriting decisions and ensure guideline adherence.
• Oversee review of mortgage applications to ensure accuracy and compliance.
• Assess creditworthiness on complex files and evaluate risk indicators.
• Collaborate to refine NON-QM underwriting guidelines.
• Identify training needs and coordinate professional development.
• Maintain knowledge of mortgage regulations and NON-QM guidelines.
• Improve processes with technology to enhance efficiency.
• Deliver daily production reports and monitor performance.
• Collaborate with Account Executives, Brokers, and internal teams.
• Manage team pipeline with operations leadership.

Skills

NON-QM underwriting

FNMA guidelines

DSCR

Bank Statement

Asset Utilization

1099

WVOE

Leadership

Coaching

Regulatory compliance

Microsoft Office

Education

Bachelor's degree in finance, business, economics, or related field

Tools

Blue Sage LOS

Mortgage underwriting software

Job description

Kind Lending is seeking an experienced NON-QM Underwriting Manager to lead the underwriting team responsible for evaluating residential mortgage loan applications with focus on risk management, compliance, and investor guideline adherence.

The role supports a remote workforce with EAST COAST time zone options. The starting base pay ranges from $130k to $150k annually, with actual compensation based on experience and business needs.