Job Description

Job Title: Non-Qualified Mortgage (Non-QM) Underwriter

Location: Wichita, KS

Salary Range: $80,000 – $120,000 (based on experience and qualifications)

Job Overview:

An opportunity is available for a skilled Non-QM Underwriter to support the evaluation and decision-making process for non-agency mortgage loans. This role is centered around assessing borrower profiles, verifying documentation, and ensuring that loans meet internal guidelines and investor standards. Candidates must bring precision, a deep understanding of non-QM products, and the ability to navigate complex borrower scenarios.

Key Responsibilities:

• Underwriting: Assess and underwrite non-qualified mortgage loan files, including borrower credit, income (including self-employment and bank statements), assets, and collateral.
• Documentation Analysis: Thoroughly review all submitted documents such as credit reports, tax returns, appraisals, and bank statements to ensure completeness and accuracy.
• Risk Analysis: Perform manual underwriting and risk assessment on unique loan structures not eligible under agency guidelines.
• Guideline Compliance: Stay current on industry regulations and internal underwriting criteria to ensure compliance throughout the loan lifecycle.
• Decision Support: Make underwriting decisions, offer clear conditions, and provide a rationale for exception handling where applicable.
• Team Collaboration: Communicate effectively with loan officers, processors, and other stakeholders to facilitate smooth loan operations and solutions for challenging files.

Qualifications:

• Experience: Minimum of 4 years in mortgage underwriting, with at least 2 years focused on non-QM products.
• Product Expertise: Strong knowledge of non-traditional loan products, including asset depletion, DSCR, and bank statement programs.
• Analytical Ability: Demonstrated experience conducting income analysis for self-employed borrowers.
• Tech Skills: Experience with LOS platforms and electronic document systems.
• Communication: Clear, professional written and verbal communication skills, with a customer-first mindset.
• Detail Orientation: Strong organizational skills and accuracy when analyzing documents.

Benefits:

• Competitive salary plus performance bonuses
• Medical, dental, and vision insurance
• 401(k) with company match
• Paid time off and holidays
• Growth and development opportunities

EOE

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