Non-QM Underwriting Manager - Remote

Overview

The Non-QM Underwriting Manager is responsible for leading, developing, and scaling a high-performing non-QM underwriting team and being the subject matter expert for non-QM loan programs, balancing loan production goals with sound credit risk management, investor requirements, and regulatory compliance.

In Short

• Manage, coach and train a team of underwriters to ensure quality, compliance and service-level standards are met.
• Oversee the non-QM underwriting pipeline to ensure loans are reviewed, approved, and cleared-to-close within established turn times.
• Serve as escalation point for difficult files, guideline interpretation, and exception requests.
• Track productivity, quality, suspense, and defect trends with reporting and loan-level reviews.
• Conduct periodic loan reviews to ensure adherence to internal credit standards, investor guidelines, and regulatory requirements.
• Ensure loans are underwritten to guidelines that are compliant with state and federal laws and regulations, including HMDA, Regulation Z, and Regulation B.
• Collaborate with Operations, Sales, and Secondary leadership to align on goals, capacity planning, and service-level expectations.
• Other duties as assigned.

Requirements

• Minimum of five (5) years of progressive levels of mortgage underwriting experience required, with a minimum of two (2) years of non-QM underwriting experience.
• Prior underwriting management experience required.
• Encompass and Desktop Underwriter experience preferred.
• Expert knowledge in non-QM loan programs, guidelines, and investor requirements.
• Proven underwriting pipeline management skills.
• Strong communication skills.
• Highly detail-oriented and strong decision-making skills.
• Ability to work across organizational boundaries.
• Advanced problem-solving capabilities and strong critical thinking skills.
• Proven ability to prioritize and multi-task.

Benefits

• Medical, dental, and vision insurance.
• Short-term and long-term disability.
• 401(k) and Roth 401(k) plans and Company match.
• Company-provided life insurance.
• 8 paid holidays.
• AND MORE!