Senior Non-QM Underwriter — Remote & Growth Focus

Highland Mortgage; Atlanta (GA); On-site; USD 85,000 - 110,000; Full time

Benefits offered by this job

Competitive salary

Benefits package

401(k) plan

Paid time off

Professional development

Supportive culture

Job summary

Highland Mortgage is seeking a Non-QM Underwriter to evaluate and render sound credit decisions on non-qualified mortgage loans across bank statement, DSCR, asset depletion and other non-QM products. The role requires strong analytical judgment, thorough knowledge of investor guidelines, and the ability to assess layered risk for borrowers outside agency standards.

The ideal candidate will independently analyze income and credit, structure workable file conditions, communicate clear decisions,

Qualifications

• 3+ years of residential mortgage underwriting experience, including non-QM programs.

Responsibilities

• Underwrite non-QM loan files to sound, well-documented credit decisions using investor guidelines and program matrices.
• Evaluate borrowers across bank statement, DSCR, asset depletion, P&L, 1099, ITIN, and full-doc non-QM products.
• Calculate qualifying income from all sources with emphasis on self-employment and cash-flow analysis.
• Review appraisals and property documentation for accuracy and credit impact.
• Issue clear loan conditions and move files to final approval.

Skills

Non-QM underwriting

Income calculation

Loan analysis

Regulatory knowledge

Decision communication

Tech literacy

Tools

LOS platforms

Investor portals

Industry tools

Job description

Highland Mortgage is seeking a Non-QM Underwriter to evaluate and render sound credit decisions on non-qualified mortgage loans across bank statement, DSCR, asset depletion and other non-QM products. The role requires strong analytical judgment, thorough knowledge of investor guidelines, and the ability to assess layered risk for borrowers outside agency standards.

The ideal candidate will independently analyze income and credit, structure workable file conditions, communicate clear decisions,