Wholesale Non-QM Mortgage Underwriter

Equity Prime Mortgage LLC; Atlanta (GA); On-site; USD 70,000 - 110,000; Full time

Job summary

Equity Prime Mortgage LLC in Atlanta, GA, is seeking a Mortgage Non-QM Underwriter to analyze and underwrite residential loans that fall outside traditional guidelines.

You will review complex income documents, evaluate credit and collateral, and issue clear underwriting decisions while coordinating with brokers and internal teams.

This role requires 3+ years of mortgage underwriting experience, solid knowledge of Non-QM products, and proficiency with Encompass LOS and AUS systems.

Qualifications

• 3+ years mortgage underwriting experience.
• Non-QM and wholesale underwriting experience.
• Knowledge of Non-QM, Jumbo, and residential loan products.
• Proficiency with Encompass LOS and AUS systems preferred.

Responsibilities

• Review and underwrite Non-QM loans including Bank Statement, 1099, DSCR, Full Doc, and Self-Employed borrower profiles.
• Analyze complex income documentation including personal and business tax returns and bank statements.
• Evaluate credit, income, and collateral to determine loan eligibility.
• Issue clear underwriting decisions and communicate required conditions effectively.
• Work closely with brokers and internal teams to clarify documentation and guidelines.
• Ensure compliance with all regulatory and company standards.
• Additional responsibilities related to business needs.

Skills

Mortgage underwriting

Non-QM

Income analysis

Compliance

Appraisal review

Communication

Decision-making

Organizational skills

Education

High school diploma; college degree preferred

Tools

Encompass LOS

AUS systems

Job description

Equity Prime Mortgage LLC in Atlanta, GA, is seeking a Mortgage Non-QM Underwriter to analyze and underwrite residential loans that fall outside traditional guidelines.

You will review complex income documents, evaluate credit and collateral, and issue clear underwriting decisions while coordinating with brokers and internal teams.

This role requires 3+ years of mortgage underwriting experience, solid knowledge of Non-QM products, and proficiency with Encompass LOS and AUS systems.