Senior Non-QM Mortgage Underwriter — Remote Leader

World Business Lenders, LLC; Indianapolis (IN); Remote; USD 120,000 - 180,000; Full time

Job summary

World Business Lenders is seeking a Senior Credit Underwriter to lead complex non-QM underwriting decisions and mentor underwriting teams. You will balance risk with profitability while partnering with cross-functional teams to improve credit quality and loan flow.

Ideal candidates bring 10+ years in non-QM mortgage underwriting, deep credit analysis expertise, and strong regulatory knowledge to drive sound lending solutions in a fast-paced environment.

Qualifications

• 10+ years of progressive underwriting experience in Non-QM residential mortgage lending.
• Proven expertise in credit analysis, risk assessment, and loan structuring.
• Ability to evaluate complex borrower scenarios and develop lending solutions.
• Strong knowledge of Non-QM loan products, including DSCR and alternative docs.
• Experience interpreting mortgage regulations and applying policy consistently.

Responsibilities

• Act as Chief Lending Officer's trusted advisor and lead underwriting activities.
• Perform early credit assessments before processing is complete.
• Rework denials into approvable structures where possible.
• Recommend counteroffers that reduce risk while preserving profitability.
• Identify compensating factors to strengthen borderline files.
• Consult with Sales on structuring loans before submission.
• Participate in daily pipeline review meetings.
• Assist in developing underwriting guidelines and SOPs.
• Analyze trends in denials and suggest policy or process changes.
• Support automation by documenting underwriting decision logic.
• Serve as subject matter expert for complex borrower scenarios.

Skills

Credit analysis

Risk assessment

Loan structuring

Non-QM underwriting

Documentation programs

Regulatory knowledge

Analytical thinking

Decision making

Communication

Education

Bachelor's or Associate's degree

Tools

Encompass

Byte

LendingPad

Job description

World Business Lenders is seeking a Senior Credit Underwriter to lead complex non-QM underwriting decisions and mentor underwriting teams. You will balance risk with profitability while partnering with cross-functional teams to improve credit quality and loan flow.

Ideal candidates bring 10+ years in non-QM mortgage underwriting, deep credit analysis expertise, and strong regulatory knowledge to drive sound lending solutions in a fast-paced environment.