Remote Sr Wholesale Non-QM Underwriter

National Mortgage Staffing; Los Angeles (CA); Remote; USD 90,000 - 110,000; Full time

Benefits offered by this job

Medical

Dental

401(k)

Job summary

National Mortgage Staffing is seeking an experienced Remote Wholesale Non-QM Underwriter to support increased loan volume within its wholesale lending channel. The ideal candidate has extensive, recent wholesale/TPO Non-QM underwriting experience, can independently review complex loans, apply investor guidelines, and make sound underwriting decisions with minimal supervision.

Strong knowledge of alternative income documentation and specialized Non-QM programs, plus the ability to communicate

Qualifications

• Minimum 4 years of direct wholesale/TPO Non-QM underwriting experience.
• Current or most recent employment with a wholesale mortgage lender.
• Hands-on wholesale Non-QM underwriting experience within the past 6 months.
• Extensive experience underwriting against multiple third-party Non-QM investor matrices.
• Ability to independently interpret investor guidelines and determine loan eligibility.
• Experience with ITIN, foreign national, HELOC, and closed-end home equity loan programs.
• Proficiency with Encompass.

Responsibilities

• Underwrite wholesale Non-QM loans from initial review through final underwriting decision.
• Analyze income, assets, credit, collateral, and supporting documentation.
• Apply multiple third-party Non-QM investor matrices to determine loan and program eligibility.
• Evaluate alternative qualifying options when a loan does not meet initial investor guidelines.
• Underwrite bank statement, 1099, asset utilization, P&L, VOE, and DSCR loans.
• Review complex self-employed borrower scenarios and alternative income documentation.
• Evaluate specialized loan programs, including ITIN, foreign national, HELOC, and closed-end home equity transactions.
• Issue clear underwriting decisions and detailed conditions.
• Work closely with investors, brokers, account executives, loan coordinators, closers/funders, and other underwriters.
• Maintain quality and production standards within a wholesale/TPO environment.
• Communicate effectively with internal and external partners to resolve underwriting issues.
• Use Encompass to review, condition, and manage loan files.

Skills

Wholesale underwriting

Non-QM guidelines

Investor matrices

Attention to detail

Strong communication

Remote work

Pacific Time hours

Tools

Encompass

Job description

Position: Wholesale Non-QM Underwriter
Location: Remote, United States- Candidate Must reside on West Coast or Mountain West, Southwest Area of the US
Work Model: Fully Remote, equipment not provided
Compensation: $100,000 base salary, plus monthly production bonus after 90 days
Overtime: Paid overtime
Schedule: Full-Time, 40 hours per week, Pacific Time hours required
Benefits: Medical, Dental, 401(k)

Overview

A growing mortgage company is seeking an experienced Remote Wholesale Non-QM Underwriter to support increased loan volume within its wholesale lending channel.

This position is best suited for an underwriter with extensive, recent wholesale/TPO Non-QM experience who can independently review complex loans, apply multiple investor guidelines, and make sound underwriting decisions with minimal supervision.

The ideal candidate has strong knowledge of alternative income documentation, specialized Non-QM programs, and third-party investor matrices. Strong communication, attention to detail, and the ability to identify compliant solutions to complex loan scenarios are essential.

Responsibilities

Underwrite wholesale Non-QM loans from initial review through final underwriting decision.

Analyze income, assets, credit, collateral, and supporting documentation.

Apply multiple third-party Non-QM investor matrices to determine loan and program eligibility.

Evaluate alternative qualifying options when a loan does not meet initial investor guidelines.

Underwrite bank statement, 1099, asset utilization, P&L, VOE, and DSCR loans.

Review complex self-employed borrower scenarios and alternative income documentation.

Evaluate specialized loan programs, including ITIN, foreign national, HELOC, and closed-end home equity transactions.

Issue clear underwriting decisions and detailed conditions.

Work closely with investors, brokers, account executives, loan coordinators, closers/funders, and other underwriters.

Maintain quality and production standards within a wholesale/TPO environment.

Communicate effectively with internal and external partners to resolve underwriting issues.

Use Encompass to review, condition, and manage loan files.

Qualifications

Minimum 4 years of direct wholesale/TPO Non-QM underwriting experience.

Current or most recent employment with a wholesale mortgage lender.

Hands-on wholesale Non-QM underwriting experience within the past 6 months.

Extensive experience underwriting against multiple third-party Non-QM investor matrices.

Ability to independently interpret investor guidelines and determine loan eligibility.

Direct underwriting experience across bank statement, 1099, asset utilization, P&L, VOE, DSCR, and stated income programs.

Experience underwriting limited-documentation and streamlined alternative income programs.

Experience with ITIN, foreign national, HELOC, and closed-end home equity loan programs.

Experience evaluating first-time investor and first-time homebuyer eligibility under alternative lending guidelines.

Ability to independently issue underwriting decisions and conditions.

Proficiency with Encompass.

Strong analytical and problem-solving skills.

Excellent communication and customer service skills.

Ability to work independently without Non-QM underwriting training.

Ability to work Pacific Time hours.

Must reside in the United States and supply own equipment.

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Client requirements and hiring decisions are set by the hiring company. Please ensure your application details align with your resume and reflect your direct experience.