Senior Luxury Mortgage Underwriter

Elliman Capital; Miami (FL); On-site; USD 80,000 - 100,000; Full time

Job summary

A prestigious real estate brokerage is looking for an experienced Mortgage Underwriter to join its expanding team. In this role, you'll underwrite complex Non-QM and traditional loans, ensuring quality and compliance within a high-end, client-focused environment. You'll collaborate closely with luxury real estate agents on sophisticated transactions. The ideal candidate should have over five years of mortgage underwriting experience and strong analytical skills, with proficiency in the Encompass system. This role promises engagement in high-value transactions and professional growth.

Qualifications

• Five or more years of recent mortgage underwriting experience.
• Demonstrated experience underwriting Non-QM loans including DSCR and bank statement programs.
• Strong appraisal review experience and proficiency in agency products (Conventional, FHA, VA, USDA).
• Solid understanding of federal and state mortgage regulations.

Responsibilities

• Underwrite Non-QM loan products, including DSCR, bank statement, and alternative income programs.
• Analyze borrower creditworthiness and complex financial profiles.
• Ensure all loans meet investor guidelines, internal credit standards, and regulatory requirements.
• Communicate underwriting decisions and alternative options to internal teams.
• Assist with training junior underwriters.

Skills

Mortgage underwriting experience

Analytical skills

Professional communication

Attention to detail

Understanding of mortgage regulations

Tools

Encompass

LOS (Loan Origination System)

Job description

A prestigious real estate brokerage is looking for an experienced Mortgage Underwriter to join its expanding team. In this role, you'll underwrite complex Non-QM and traditional loans, ensuring quality and compliance within a high-end, client-focused environment. You'll collaborate closely with luxury real estate agents on sophisticated transactions. The ideal candidate should have over five years of mortgage underwriting experience and strong analytical skills, with proficiency in the Encompass system. This role promises engagement in high-value transactions and professional growth.