Senior Underwriter - Agency | Non-Agency

Jobot; New York (NY); A distancia; USD 100.000 - 120.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Competitive Compensation

401(k) with Company Match

Comprehensive Benefits

Generous PTO & Paid Holidays

Collaborative Work Environment

Work-Life Balance

Descripción de la vacante

A fast-growing nationwide mortgage lender is seeking an experienced Senior Underwriter with expertise in Agency and Non-QM underwriting. This role involves underwriting complex Jumbo and Non-QM loans, reviewing creditworthiness, and mentoring junior staff. A strong background in mortgage underwriting for at least 5 years is required along with proficiency in Encompass software. The company offers competitive compensation, flexible remote options, and comprehensive benefits. Interested candidates are encouraged to apply today!

Formación

• 5+ years of recent experience in mortgage underwriting focusing on Jumbo and Non-QM products.
• Ability to manage a large pipeline efficiently without sacrificing quality.
• Expertise in compliance requirements (TRID, RESPA, ATR/QM, etc.).

Responsabilidades

• Underwrite complex Jumbo and Non-QM mortgage loans per guidelines.
• Review loan files and assess creditworthiness and risk.
• Guide and mentor junior underwriters.

Conocimientos

Mortgage underwriting experience

Analytical skills

Communication skills

Proficiency in Encompass

Bilingual in English and Chinese/Spanish

Herramientas

Encompass

Descripción del empleo

Overview

WANTED Experienced Senior Underwriter - Agency | Non-Agency! Remote is an Option

This Jobot Job is hosted by Stephen Niedringhaus

Are you a fit? Easy Apply now by clicking the "Easy Apply" button and sending us your resume.

Salary $100,000 - $120,000 per year

A Bit About Us

We are a fast-growing, nationwide direct mortgage lender licensed in 49 states, specializing in a broad range of mortgage solutions including Prime Jumbo, Non-QM, DSCR (rental cash flow), and Agency loans. With in-house underwriting, doc preparation, and funding for loans up to $10 million, we are committed to providing fast, efficient, and transparent service for homebuyers, realtors, and investors alike. Our culture is built on honesty, integrity, humility, and exceptional customer service.

Being bilingual in English and Chinese is a strong plus!

Why join us?

• Competitive Compensation Strong base salary + bonus potential tied to performance
• 401(k) with Company Match
• Comprehensive Benefits Medical, Dental, Vision, Life Insurance
• Generous PTO & Paid Holidays
• Collaborative Work Environment Join a fast-growing, nationwide team with a supportive culture
• Work-Life Balance Remote flexibility with productivity-based rewards
• Advanced Systems Access top-tier underwriting and processing technology

Job Details

Key Responsibilities

• Underwrite complex Jumbo, Non-QM, and DSCR mortgage loans per company, investor, and regulatory guidelines.
• Review and analyze loan files, credit reports, income documents, asset statements, appraisals, and other pertinent documentation to assess creditworthiness and risk.
• Work closely with loan officers, processors, and managers to ensure timely and accurate underwriting decisions.
• Apply sound judgment and risk assessment on loan exceptions and escalate as appropriate.
• Maintain high productivity while delivering consistent quality and meeting established service-level agreements (SLAs).
• Ensure all loan decisions are documented clearly and accurately in Encompass and adhere to compliance and audit standards.
• Provide guidance and mentorship to junior underwriters and processing staff as needed.
• Stay current on changes in investor guidelines, Non-QM and Jumbo product offerings, and industry regulations.

Qualifications

• 5+ years of recent mortgage underwriting experience, strongly focusing on Jumbo and Non-QM products.
• Expertise in high-volume underwriting environments, managing a large pipeline efficiently without sacrificing quality.
• Proficiency in Encompass loan origination software is required.
• DE (Direct Endorsement) or LAPP/SAR certifications are a plus, but not required.
• Deep understanding of investor guidelines, credit and risk assessment, and compliance requirements (TRID, RESPA, ATR/QM, etc.).
• Excellent analytical, problem-solving, and decision-making skills.
• Strong written and verbal communication abilities, with a focus on clarity and professionalism.
• Proven ability to work independently and meet deadlines in a fast-paced, high-performance environment.
• Bilingual in English, Chinese/Spanish is a strong plus!

If you are a Senior Underwriter and an expert in Agency/Non Agency and Non-QM underwriting, do not wait! Apply today and/or email your latest resume to [e-mail]

Interested in hearing more? Easy Apply now by clicking the "Easy Apply" button.

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