Senior Mortgage Underwriter - Build With Us

June Point Lending; New York (NY); On-site; USD 120,000 - 170,000; Full time

Job summary

June Point Lending is seeking a Senior Mortgage Underwriter to be a foundational member of the credit team, underwriting Non-QM loans and shaping underwriting automation. You will assess complex credit scenarios for self-employed borrowers, real estate investors, and other non-traditional income profiles.

You will work with our technology team to build workflows and test automations, serving as the first dedicated underwriter and helping scale processes while balancing risk and speed in a lean

Qualifications

• 5-7 years of residential mortgage underwriting experience including conventional and Non-QM products.
• Experience with self-employed borrowers, investment properties, or complex income.
• Wholesale lending experience is preferred.

Responsibilities

• Underwrite Non-QM residential mortgage loans (DSCR, bank statement, P&L) focusing on credit quality, collateral risk, and regulatory compliance.
• Maintain rigorous credit standards with collateral analysis, fraud detection, and portfolio risk.
• Collaborate with account executives, brokers, and operations to provide timely credit decisions and service.

Skills

Mortgage Underwriting

Credit Analysis

Regulatory Knowledge

Automation Collaboration

Self-employed Borrowers

Independent Decision Making

Job description

Senior Mortgage Underwriter - Build With Us

Reporting to:

Mike D’Ambrosio, EVP of Credit & Operations

Location:

NYC (Preferred), Open to Remote

About June Point Lending

June Point Lending is making homeownership possible and more accessible for a creditworthy but underserved segment of the market: business owners, self-employed workers, and real estate investors. Being enterprising and independent shouldn’t mean getting shut out of the housing market - we’re here to fix that.

We’re automating mortgage loan underwriting with the goal of instant, real-time decisions, resulting in wider access and affordability. This speed, certainty and service for our B2B partners allows them to serve more homebuyers, with the products they need, at market leading rates.

Role summary

As a Senior Underwriter at June Point Lending, you'll be a foundational member of our credit team, directly underwriting Non-QM loans while helping us build and refine our underwriting process and automation capabilities. You'll bring your deep technical expertise to evaluate complex credit scenarios for self-employed borrowers, real estate investors, and other non-traditional income profiles, while partnering with our technology team to shape how we use automation and AI to make faster, more consistent decisions. This is a hands-on role with strategic impact - perfect for an experienced underwriter hungry to build something from the ground up.

You’ll be June Point's first dedicated underwriter, building and optimizing your own workflows. You will manually handle tasks and be a key thought partner with our tech team as we work to develop automations that further improve JPL's underwriting processes.

Responsibilities

• Loan Underwriting – Underwrite Non-QM residential mortgage loans (including DSCR, bank statement, P&L) with a focus on credit quality, collateral risk, and regulatory compliance.
• Quality & Risk Management – Maintain rigorous credit standards with attention to collateral analysis, fraud detection, and portfolio risk while identifying opportunities to streamline approval processes.
• Cross-Functional Collaboration – Work closely with account executives, brokers, and operations to provide clear, timely credit decisions and exceptional service to our lending partners.

What We’re Looking For

• Experience – 5-7 years of residential mortgage underwriting experience, including conventional and/or Non-QM products. Background with self-employed borrowers, investment properties, or complex income documentation strongly preferred. Wholesale lending experience preferred.
• Technical Expertise – Deep knowledge of credit analysis, collateral risk assessment, fraud detection, and regulatory requirements (TRID, HMDA, fair lending)
• Startup Mindset – Thrives in early-stage environments where you're building processes from the ground up. Comfortable with ambiguity, resourceful when systems are still being established, and energized by the opportunity to shape workflows and operations as the company scales .
• Judgment & Autonomy – Ability to make sound credit decisions independently, lift appropriately, and balance risk management with customer service and speed.
• Collaboration Skills – Clear communication style and ability to partner across functions in a fast-moving startup environment where feedback shapes how we build.

What We Offer

• Competitive Salary & Benefits
• Impact – You’ll work on an important and complex problem that is valuable to solve, not only for homebuyers but for the broader housing ecosystem.
• Challenge - We are tackling novel and unsolved problems at the intersection of capital markets, credit risk, technology, and distribution.
• Learning – Hands-on exposure to every step of the mortgage process, with mentorship from experienced operators and underwriters.
• Growth – The chance to take on more responsibility quickly and build toward being a process owner and builder, not just an executor.
• Tools & Autonomy – Access to modern tech and the freedom to test new ways of working, automate tasks, and leave your mark.
• Culture – A lean, collaborative environment where we value speed, clarity, and character over hierarchy.
• Strong Foundation: We are backed by a leading fintech VC and a global investment bank. Our repeat founders and founding team have extensive experience building in fintech and mortgage lending. We know what it takes to build and scale in complex industries.