National Mortgage Staffing
In Office Non-QM Underwriter
National Mortgage Staffing, Brea, California, United States, 92631
Non-QM Underwriter (DSCR / Bank Statement / Alt-Doc) – On-Site only- NOT REMOTE OR HYBRID
Our client, a growing California-based mortgage lender, is seeking an experienced
Non-QM Underwriter
with expertise in DSCR, Bank Statement, and alternative documentation loan products.
Key Responsibilities
Review and underwrite
Non-QM, DSCR, Bank Statement, VOE, P&L, and Asset-based
mortgage loans.
Analyze self-employed and alternative documentation income calculations.
Ensure all files meet company, investor, and regulatory guidelines.
Run AUS findings and evaluate risk using
DU, LPA, and Total Scorecard.
Communicate effectively with processors, account managers, and loan officers to resolve file conditions.
Manage a consistent underwriting pipeline, maintaining strong accuracy and turnaround times.
Stay current on investor guidelines and evolving Non-QM products.
Qualifications
Minimum 5 years of residential mortgage underwriting experience.
3+ years of Non-QM underwriting experience (required).
Advanced understanding of
DSCR, Bank Statement, VOE, P&L, and Asset-based
loans.
Strong experience underwriting
self-employed borrowers
and complex income structures.
Proficiency with
Encompass LOS ,
CoreLogic FraudGuard , and
AUS systems
(DU, LPA, Total Scorecard).
Must have underwritten front line loans within the past 12 months.
Compensation & Benefits
Base salary:
$70,000–$100,000 (DOE)
Bonus:
Monthly eligibility after 2 years based on funding quota
Benefits:
Health Insurance, SIMPLE IRA (3% match), PTO, 5 sick days per year
National Mortgage Staffing does not determine the requirements or compensation for this role. All criteria are set forth by our client and must be followed exactly.
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Non-QM Underwriter
with expertise in DSCR, Bank Statement, and alternative documentation loan products.
Key Responsibilities
Review and underwrite
Non-QM, DSCR, Bank Statement, VOE, P&L, and Asset-based
mortgage loans.
Analyze self-employed and alternative documentation income calculations.
Ensure all files meet company, investor, and regulatory guidelines.
Run AUS findings and evaluate risk using
DU, LPA, and Total Scorecard.
Communicate effectively with processors, account managers, and loan officers to resolve file conditions.
Manage a consistent underwriting pipeline, maintaining strong accuracy and turnaround times.
Stay current on investor guidelines and evolving Non-QM products.
Qualifications
Minimum 5 years of residential mortgage underwriting experience.
3+ years of Non-QM underwriting experience (required).
Advanced understanding of
DSCR, Bank Statement, VOE, P&L, and Asset-based
loans.
Strong experience underwriting
self-employed borrowers
and complex income structures.
Proficiency with
Encompass LOS ,
CoreLogic FraudGuard , and
AUS systems
(DU, LPA, Total Scorecard).
Must have underwritten front line loans within the past 12 months.
Compensation & Benefits
Base salary:
$70,000–$100,000 (DOE)
Bonus:
Monthly eligibility after 2 years based on funding quota
Benefits:
Health Insurance, SIMPLE IRA (3% match), PTO, 5 sick days per year
National Mortgage Staffing does not determine the requirements or compensation for this role. All criteria are set forth by our client and must be followed exactly.
#J-18808-Ljbffr