Senior Underwriter (Bilingual)

jobbot; San Gabriel (CA); On-site; USD 80,000 - 100,000; Full time

Job summary

A leading nationwide mortgage lender is seeking an experienced mortgage underwriter to join their team. The ideal candidate will have expertise in Jumbo and Non-QM products and will be responsible for underwriting complex loans while ensuring compliance with guidelines. This role offers competitive compensation, remote flexibility, and opportunities for professional development in a collaborative environment.

Benefits

Competitive Compensation

401(k) with Company Match

Generous PTO & Paid Holidays

Collaborative Work Environment

Work-Life Balance

Advanced Systems

Qualifications

• 5+ years of recent mortgage underwriting experience, focusing on Jumbo and Non-QM products.
• Proficiency with Encompass loan origination software required.

Responsibilities

• Underwrite complex Jumbo, Non-QM, and DSCR mortgage loans.
• Review loan files and assess creditworthiness and risk.
• Provide guidance and mentorship to junior underwriters.

Skills

Analytical

Problem-Solving

Communication

Education

5+ years of mortgage underwriting experience

Tools

Encompass

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 in accordance with 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 up to date on changes in investor guidelines, Non-QM and Jumbo product offerings, and industry regulations.

Qualifications

• 5+ years of recent mortgage underwriting experience, with a strong focus on Jumbo and Non-QM products.
• Expertise in high-volume underwriting environments, managing a large pipeline efficiently without sacrificing quality.
• Proficiency with Encompass loan origination software required.
• DE (Direct Endorsement) or LAPP / SAR certifications 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.

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.