Senior Non-QM Underwriter - On-Site in LA

REAL TPO LLC; Los Angeles (CA); Presencial; USD 120.000 - 180.000; Jornada completa

Descripción de la vacante

Real TPO is seeking a Senior Underwriter specializing in Non-QM and Non-Agency loans to support our growing Los Angeles team. This on-site role requires deep manual credit analysis, review of tax documents, assets, and property details to determine borrower eligibility in line with investor and company guidelines.

You will underwrite Non-QM and Non-Agency loans, use AUS/LOS systems, and provide clear written explanations for decisions.

Formación

• Minimum 5 years of recent experience underwriting Non-QM loans in the mortgage industry.
• Experience with manual guidelines and credit analysis.
• Proficiency in evaluating complex financial documents and income tax returns.

Responsabilidades

• Underwrite Non-QM and Non-Agency loans manually.
• Review borrower files, assets, and income to determine eligibility.
• Interpret DU/LP results to ensure investor and company guidelines.
• Utilize AUS and LOS to validate loan applications.
• Recommend loan approvals or denials with rationale.
• Assist sales and partners in structuring eligible loans.

Conocimientos

Underwriting experience

Non-QM underwriting

Analytical skills

Communication skills

Independent and collaborative

Educación

High school diploma or equivalent

Bachelor's degree preferred

Herramientas

AUS

LOS

MS Office

Descripción del empleo

Real TPO is seeking a Senior Underwriter specializing in Non-QM and Non-Agency loans to support our growing Los Angeles team. This on-site role requires deep manual credit analysis, review of tax documents, assets, and property details to determine borrower eligibility in line with investor and company guidelines.

You will underwrite Non-QM and Non-Agency loans, use AUS/LOS systems, and provide clear written explanations for decisions.