Senior Non-QM Underwriter — Complex Income Expert

Deephaven Mortgage LLC; United States; Vor Ort; USD 110.000 - 125.000; Vollzeit

Benefits dieser Stelle

Flexible Time to Recharge

Future Finance Focused

Community Connect

Health from Day One

Family Matters

Culture & Celebrations

Ideas Welcome

Guidance & Growth

Perk Up

Zusammenfassung

Deephaven Mortgage LLC is seeking an experienced Non-QM Underwriter to evaluate complex mortgage loan applications outside QM guidelines. You’ll assess borrower risk using alternative documentation and ensure adherence to policies and investor rules.

Responsibilities include manual underwriting for Correspondent and Wholesale clients, QC audits, and collaborating with underwriters, processors, and closers to clear conditions. Strong analytical and communication skills are essential.

Qualifikationen

• Recent hands-on Non-QM underwriting experience required.
• Experience underwriting HELOCs and 2nd mortgages strongly preferred.
• 15+ years of experience as an underwriter.
• Ability to manually calculate income across all Non-QM programs.
• Demonstrated ability to independently review and clear.
• Proficiency in Encompass, with the ability to navigate workflows and manage conditions.
• High-volume underwriting background, 50+ initial underwrites per month.
• Strong understanding of Non-QM guidelines, investor overlays, and risk layering.
• Excellent communication skills with the ability to document decisions.
• Strong critical-thinking, independent decision-making, and problem-solving skills.
• Commitment to loan quality, compliance, and responsible lending.

Aufgaben

• Manually underwrite mortgage loan transactions to company and investor credit guidelines
• Perform quality control audits of third-party vendor to ensure compliance with guidelines
• Review loan scenarios and communicate eligibility to correspondents and wholesale clients
• Collaborate with internal staff to clear purchase/funding eligibility conditions
• Work with processing staff to clear loan conditions throughout the process
• Assist in handling loan-level credit and compliance questions and in updating standards and procedures
• Any other duties as requested by management

Kenntnisse

Non-QM underwriting

HELOCs & 2nd mortgages

15+ years underwriting

Income calculation

Customer communications

High-volume underwriting

Non-QM guidelines

Investor overlays

Quality & compliance

Critical thinking

Problem solving

Communicate decisions

Tools

Encompass

Jobbeschreibung

Deephaven Mortgage LLC is seeking an experienced Non-QM Underwriter to evaluate complex mortgage loan applications outside QM guidelines. You’ll assess borrower risk using alternative documentation and ensure adherence to policies and investor rules.

Responsibilities include manual underwriting for Correspondent and Wholesale clients, QC audits, and collaborating with underwriters, processors, and closers to clear conditions. Strong analytical and communication skills are essential.