Remote Wholesale Non-QM Underwriter – ITIN & Bank-Statement

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

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