Senior Non-QM Mortgage Underwriter (Wholesale)

Equity Prime Mortgage LLC; Atlanta (GA); Hybrid; USD 85,000 - 120,000; Full time

Job summary

Equity Prime Mortgage, LLC is seeking a Non-QM Underwriter in Atlanta to analyze and underwrite mortgages outside traditional agency guidelines. You’ll issue clear decisions and coordinate with brokers and internal teams in a fast-paced environment.

Qualified candidates bring 3+ years of mortgage underwriting experience, with recent Non-QM and wholesale underwriting familiarity, plus solid income analysis and regulatory knowledge. EPM emphasizes support, collaboration, and growth.

Qualifications

• Minimum 3 years of mortgage underwriting experience.
• Recent Non-QM and wholesale underwriting experience.
• Knowledge of Non-QM, Jumbo, and residential loan products.
• Strong income analysis, compliance regulations, and appraisal review.
• Proficiency with Encompass LOS and AUS systems.
• Excellent communication, decision-making, and organizational skills.

Responsibilities

• Review and underwrite Non-QM loans including Bank Statement, 1099, DSCR, Full Doc, and Self-Employed borrower profiles.
• Analyze complex income documentation including personal and business tax returns and bank statements.
• Evaluate credit, income, and collateral to determine loan eligibility.
• Issue clear underwriting decisions and communicate required conditions effectively.
• Work closely with brokers and internal teams to clarify documentation and guidelines.
• Ensure compliance with all regulatory and company standards.
• Additional responsibilities related to business needs.

Skills

Mortgage underwriting

Non-QM underwriting

Income analysis

Communication skills

Decision making

Organizational skills

Education

High school diploma

College degree preferred

Tools

Encompass LOS

AUS systems

Job description

Equity Prime Mortgage, LLC is seeking a Non-QM Underwriter in Atlanta to analyze and underwrite mortgages outside traditional agency guidelines. You’ll issue clear decisions and coordinate with brokers and internal teams in a fast-paced environment.

Qualified candidates bring 3+ years of mortgage underwriting experience, with recent Non-QM and wholesale underwriting familiarity, plus solid income analysis and regulatory knowledge. EPM emphasizes support, collaboration, and growth.