Remote Wholesale Non-QM Underwriter - Complex Loans

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

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.