Senior Mortgage Underwriter – Non-QM & DSCR Focus

Comunidade Metodista; Baltimore (MD); On-site; USD 80,000 - 110,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

401(k)

401(k) matching

Paid time off

Job summary

Dominion Financial Services in Baltimore, MD, is seeking a Real Estate Analyst to support underwriting and loan decisioning. The role focuses on reviewing mortgage applications, analyzing financial documents, and ensuring compliance with agency and Non-QM guidelines.

The candidate should have 5+ years of mortgage underwriting experience, strong analytical skills, and proficiency with Encompass and Mavent. This position emphasizes accuracy, collaboration with brokers, and maintaining thorough

Qualifications

• Bachelor’s degree or 5+ years of mortgage underwriting experience
• Exceptional analytical, organizational, and decision-making skills
• Experience underwriting Non-QM products (bank statement, asset depletion, DSCR, 1099, and P&L loans)
• Manual underwriting experience and recent underwriting activity

Responsibilities

• Review and assess mortgage loan applications to determine eligibility and risk
• Analyze financial documents such as tax returns, bank statements, appraisals, and credit reports
• Make informed underwriting decisions based on company guidelines, program requirements, and applicable regulations
• Collaborate with loan officers, processors, and other stakeholders to gather required documentation
• Maintain complete, accurate records of underwriting decisions and conditions
• Stay current on industry regulations, Non-QM program changes, and underwriting best practices
• Support a team-oriented, solutions-driven underwriting environment
• Perform other underwriting-related duties as assigned by management

Skills

Mortgage underwriting

Analytical skills

Attention to detail

Education

Bachelor's degree

Tools

Encompass

Mavant

Job description

Dominion Financial Services in Baltimore, MD, is seeking a Real Estate Analyst to support underwriting and loan decisioning. The role focuses on reviewing mortgage applications, analyzing financial documents, and ensuring compliance with agency and Non-QM guidelines.

The candidate should have 5+ years of mortgage underwriting experience, strong analytical skills, and proficiency with Encompass and Mavent. This position emphasizes accuracy, collaboration with brokers, and maintaining thorough