Senior Underwriter (Bilingual)

Jobot; New York (NY); Remote; USD 85,000 - 100,000; Full time

Job summary

Jobot, a fast-growing nationwide mortgage lender, seeks a Mortgage Underwriter to handle complex Jumbo, Non-QM, and DSCR loans. The ideal candidate has over 5 years of experience, expertise in high-volume environments, and proficiency in Encompass software, while thriving in a supportive, remote-friendly culture.

Benefits

Competitive Compensation

401(k) with Company Match

Generous PTO & Paid Holidays

Collaborative Work Environment

Work-Life Balance

Access to advanced systems

Qualifications

• Experience with Jumbo and Non-QM products.
• Ability to manage a large pipeline efficiently.
• Bilingual in English and Chinese/Spanish is a plus.

Responsibilities

• Underwrite complex Jumbo, Non-QM, and DSCR loans according to guidelines.
• Review loan files and assess creditworthiness.
• Mentor junior underwriters as needed.

Skills

Analytical skills

Problem-solving

Communication

Risk assessment

Education

5+ years mortgage underwriting experience

DE or LAPP/SAR certifications

Tools

Encompass loan origination software

Job description

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.

• Competitive Compensation: Strong base salary + bonus potential tied to performance
• 401(k) with Company Match
• 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

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

Jobot is an Equal Opportunity Employer. We provide an inclusive work environment that celebrates diversity and all qualified candidates receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Sometimes Jobot is required to perform background checks with your authorization. Jobot will consider qualified candidates with criminal histories in a manner consistent with any applicable federal, state, or local law regarding criminal backgrounds, including but not limited to the Los Angeles Fair Chance Initiative for Hiring and the San Francisco Fair Chance Ordinance.

• $85,000 - $100,000

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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.

• Competitive Compensation: Strong base salary + bonus potential tied to performance
• 401(k) with Company Match
• 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

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

Jobot is an Equal Opportunity Employer. We provide an inclusive work environment that celebrates diversity and all qualified candidates receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Sometimes Jobot is required to perform background checks with your authorization. Jobot will consider qualified candidates with criminal histories in a manner consistent with any applicable federal, state, or local law regarding criminal backgrounds, including but not limited to the Los Angeles Fair Chance Initiative for Hiring and the San Francisco Fair Chance Ordinance.