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

• Expert knowledge in non-QM loan programs, guidelines, and investor requirements.
• Proven underwriting pipeline management skills.
• Proven experience leading and developing teams.
• Expert knowledge of income analysis, including self-employed borrowers, tax returns, P&Ls and K-1s.
• Demonstrated ability to analyze workflows and implement improvements in standard operating procedures.
• Comprehensive knowledge of mortgage regulations, including HMDA, Reg Z, Reg B, and FNMA guidelines.
• Strong communication skills.
• Ability to work across organizational boundaries.
• Highly detail-oriented.
• Strong decision-making skills.

Benefits

• Fast-paced environment.
• Minimal travel <5%.
• Opportunity for professional growth.
• Flexible working conditions.
• Supportive team culture.