Job Description
Job DescriptionNon-QM Mortgage Underwriter Non-QM Mortgage Underwriter
Position Overview
The Non-QM Mortgage Underwriter is responsible for evaluating and underwriting non-qualified mortgage loan applications. The ideal candidate will ensure compliance with company policies and guidelines while assessing borrower creditworthiness and financial stability. This role is crucial in facilitating the approval of loans that fall outside the traditional agency guidelines, providing flexible financing options for a diverse range of borrowers.
Key Responsibilities
- Review and analyze loan applications and supporting documentation for non-QM loans
- Assess borrower creditworthiness by evaluating credit reports, income sources, and financial statements
- Ensure compliance with company policies, regulatory requirements, and investor guidelines
- Communicate with loan officers, borrowers, and other stakeholders regarding underwriting decisions and conditions
- Identify and mitigate risks associated with non-QM lending
- Maintain accurate records and documentation of underwriting decisions and processes
- Stay updated on industry trends, guidelines, and best practices related to non-QM lending
Qualifications
- Minimum of 3 years experience in mortgage underwriting, specifically in non-QM and non-agency loans
- Strong understanding of non-QM mortgage products and guidelines
- Proficient in using underwriting software and tools
- Excellent analytical skills and attention to detail
- Ability to work independently and manage multiple loan files simultaneously
- Strong communication and interpersonal skills
- Knowledge of current mortgage regulations and compliance standards
- For this position, you must be currently authorized to work in the United States without the need for sponsorship for a non-immigrant visa. This job was first posted by CyberCoders on 01/15/2026 and applications will be accepted on an ongoing basis until the position is filled or closed.CyberCoders is proud to be an Equal Opportunity Employer
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity or expression, national origin, ancestry, citizenship, genetic information, registered domestic partner status, marital status, status as a crime victim, disability, protected veteran status, or any other characteristic protected by law. CyberCoders will consider qualified applicants with criminal histories in a manner consistent with the requirements of applicable state and local law, including but not limited to the Los Angeles County Fair Chance Ordinance, the San Francisco Fair Chance Ordinance, and the California Fair Chance Act. CyberCoders is committed to working with and providing reasonable accommodation to individuals with physical and mental disabilities. Individuals needing special assistance or an accommodation while seeking employment can contact a member of our Human Resources team at Benefits@CyberCoders.com to make arrangements.