Remote Wholesale Non-QM Underwriter- Anywhere in US

National Mortgage Staffing; Tampa (FL); Remote; USD 100,000 - 125,000; Full time

Benefits offered by this job

Medical

Dental

401(k)

Job summary

National Mortgage Staffing seeks a Remote Wholesale Non-QM Underwriter to support its TPO division. This fully remote role reviews Non-QM loan files from initial review to decision, analyzes income, assets, credit, and collateral, and issues clear underwriting decisions in a fast-paced wholesale setting.

The ideal candidate has 4+ years of Non-QM wholesale/TPO underwriting experience, can work independently with strong communication, and has Encompass experience to review and manage files.

Qualifications

• Recent Non-QM wholesale/TPO underwriting experience required- minimum 4 years.
• Strong Non-QM underwriting knowledge required.
• Must be able to underwrite Non-QM loans independently.
• Experience with Encompass required.
• Strong customer service and communication skills required.
• Ability to work independently in a fully remote environment.

Responsibilities

• Underwrite Non-QM loans from initial review through final decision.
• Review income, assets, credit, collateral, conditions, and supporting documentation.
• Analyze loan files for compliance with investor and program guidelines.
• Issue clear and detailed underwriting decisions and conditions.
• Work closely with other underwriters, investors, loan coordinators, account executives, closers/funders, and brokers.
• Maintain strong quality and production standards in a fast-paced TPO environment.
• Think creatively and strategically to structure loans whenever possible while maintaining compliance.
• Provide excellent communication and support throughout the underwriting process.
• Use Encompass to review, condition, and manage loan files.

Skills

Non-QM underwriting

Independent underwriting

Encompass experience

Communication skills

Tools

Encompass

Job description

Remote Wholesale Non-QM Underwriter- Anywhere in US

• Tampa, FL

Position: Remote Wholesale Non-QM Underwriter

Work Model: Remote- US candidates only - Anywhere in US

Compensation: $100-125k, depending on experience, plus tiered bonus plan

Schedule: Full-Time | 40 hours per week | Overtime eligible

Benefits: Medical, Dental, 401(k)

A growing mortgage company is seeking an experienced Remote Wholesale Non-QM Underwriter to join its TPO division. This is a fully remote opportunity supporting increased loan volume within a smaller wholesale channel where your experience, communication, and judgment will matter.

The ideal candidate has strong recent Non-QM underwriting experience, wholesale/TPO experience, and the ability to step into the role with minimal ramp-up. This position is best suited for an underwriter who can independently review files, communicate clearly with internal and external partners, maintain strong quality, and think through complex scenarios to help determine a compliant path forward when possible.

Responsibilities

• Underwrite Non-QM loans from initial review through final decision.
• Review income, assets, credit, collateral, conditions, and supporting documentation.
• Analyze loan files for compliance with investor and program guidelines.
• Issue clear and detailed underwriting decisions and conditions.
• Work closely with other underwriters, investors, loan coordinators, account executives, closers/funders, and brokers.
• Maintain strong quality and production standards in a fast-paced TPO environment.
• Think creatively and strategically to structure loans whenever possible while maintaining compliance.
• Provide excellent communication and support throughout the underwriting process.
• Use Encompass to review, condition, and manage loan files.

Qualifications

• Recent Non-QM wholesale/TPO underwriting experience required- minimum 4 years.
• Strong Non-QM underwriting knowledge required.
• Must be able to underwrite Non-QM loans independently.
• Encompass experience required.
• Strong customer service and communication skills required.
• Ability to problem-solve and think through complex scenarios.
• Ability to work independently in a fully remote environment.

This role does not provide Non-QM underwriting training, so candidates should be comfortable stepping in with existing Non-QM experience.