US Mortgage - Live Underwriter (Work from Home after 6 Months)

Role & responsibilities

Permanent work-from-home after 6 months

Review and underwrite Non-QM and DSCR mortgage loans, including alternative-documentation products such as asset depletion, bank statements, ITINs, 1099s, and P&L-only loans.

• Analyze borrower credit, income, assets, and collateral to determine eligibility and risk.
• Ensure loans meet investor and company guidelines, including regulatory and compliance standards (ATR/QM, TRID, RESPA, TILA, HMDA, HOEPA).
• Perform manual underwriting and provide recommendations for underwriting waivers or eligibility exceptions.
• Issue clear and compliant loan decisions and promptly review resubmitted documentation.
• Respond to loan audits and post-closing requests for additional documentation.
• Collaborate with Account Executives, brokers, processors, and internal teams to ensure timely and accurate loan processing.
• Stay current with Non-QM product offerings, investor guidelines, and secondary market changes.
• Contribute to process improvement initiatives to enhance efficiency, service levels, and loan quality

Preferred candidate profile

• Experience: 2+ years of current experience underwriting Non-QM mortgage loans, specifically DSCR products
• Profound knowledge of Non-QM loan programs and alternative documentation requirements.
• Ability to perform complex income and risk analyses, including DSCR calculations.
• Strong understanding of secondary market requirements and investor guidelines.
• Proficiency with automated underwriting systems (DU, LP) and electronic document management systems.
• Strong written and verbal communication skills for effective collaboration.
• Close attention to detail and the ability to manage multiple priorities in a fast-paced environment.

Perks & Benefits

Permanent work-from-home after 6 months

• Competitive package
• Positive Working Environment
• Better career growth
• Medical Insurance
• 2-way cab Facility

If this sounds like you or someone you know, don't miss this opportunity! Share your CV at: [email removed] or Reach out to [phone removed]