Mission Loans, LLC
Mission Loans is seeking experienced mortgage professionals who thrive in a fast-paced environment without losing focus on quality of work and delivering an exceptional customer experience. As a Non-QM Underwriter, your primary mission is to evaluate and decide borrower qualification for mortgage loans to ensure creditworthiness, ensure compliance with company, agency, and investor standards, and deliver a best‑in‑class customer experience.
PRIMARY DUTIES & RESPONSIBILITIES
Overall responsibility for (i) evaluation and decision of borrower qualification for a mortgage loan to ensure creditworthiness, (ii) ensuring compliance with company, agency, and investor standards, and (iii) delivering a best‑in‑class customer experience
Verify borrower loan application contains all necessary documentation, credit, and financial information; calculate qualifying ratios; identify borrower risk profile
Perform thorough analysis of borrower’s application such as: (i) income and expense data, (ii) asset documentation, (iii) credit reports, (iv) employment, (v) title and (vi) property valuations to affirm borrower stability, capacity to repay and qualification against company, agency and/or investor guidelines
Make and issue independent, compliant underwriting decisions detailing clear conditions necessary to clear the loan for closing
Partner with sales, customer relationship managers, and closers‑funders to resolve problems, qualification issues, and clear conditions throughout the underwriting process.
Manage underwriting pipeline queues (i.e., initial submissions, conditions, change requests, final approval) to deliver timely decisions that meet company‑published service standards
Respond promptly to assist in resolving issues related to requests such as post‑closing conditions, suspended loans, quality control audits, and investor audits/inquiries
Maintain current knowledge of company, agency, and investor underwriting guidelines and policies
Scenario support for production
Operate with a goal to meet and exceed internal and external customer expectations.
Operate in a manner that promotes loan quality and compliance with lending laws
Maintain productivity and quality performance at or above required goals
SKILLS & ABILITIES
Subscribe to the mission of creating a truly customer and team member‑centric environment
Love to come into work every day and win
Highly motivated self‑starter who can work independently under minimal supervision and as a team player
Clear, effective interpersonal skills, written and verbal communication skills
Ability to work in a fast‑paced, multi‑tasking environment and manage multiple deadlines
Strong analytical, problem‑solving, and creative thinking skills
Ability to learn and adapt to guideline changes
Strong organization, follow‑through, and time management skills
Excellent attention to detail with commitment to accuracy and quality
Dependable, responsible, and able to use good judgment
QUALIFICATIONS & EXPERIENCE
Bachelor’s degree preferred
2‑5 years of underwriting experience in a high‑volume mortgage setting
Extensive knowledge in the Non‑QM products such as jumbo, DSCR, 1099 loans, bank statement, limited doc, etc.
Advanced/Extensive knowledge and responsibility for compliance with state and federal regulations applicable to loan fulfillment
Advanced math skills; adept at calculating income from salaried and self‑employed borrowers, qualifying ratios, and other relevant loan calculations
Basic proficiency in Microsoft Office products (Excel, Word, PowerPoint, etc.)
Experience with Byte is a plus
Other Duties: This position profile is not intended to be an all‑inclusive list of job duties and responsibilities, as one may be asked to perform additional related duties, as assigned, in order to meet the needs of the organization.
Compensation: $34.00-$44.00/hour + bonus.
Location: Remote opportunity available.
Mission Loans, LLC. is proud to be an Equal Opportunity Employer. Mission Loans does not discriminate based on race, color, gender, disability, veteran, military status, religion, age, creed, national origin, sexual identity or expression, sexual orientation, marital status, genetic information, or any other basis prohibited by local, state, or federal law.
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PRIMARY DUTIES & RESPONSIBILITIES
Overall responsibility for (i) evaluation and decision of borrower qualification for a mortgage loan to ensure creditworthiness, (ii) ensuring compliance with company, agency, and investor standards, and (iii) delivering a best‑in‑class customer experience
Verify borrower loan application contains all necessary documentation, credit, and financial information; calculate qualifying ratios; identify borrower risk profile
Perform thorough analysis of borrower’s application such as: (i) income and expense data, (ii) asset documentation, (iii) credit reports, (iv) employment, (v) title and (vi) property valuations to affirm borrower stability, capacity to repay and qualification against company, agency and/or investor guidelines
Make and issue independent, compliant underwriting decisions detailing clear conditions necessary to clear the loan for closing
Partner with sales, customer relationship managers, and closers‑funders to resolve problems, qualification issues, and clear conditions throughout the underwriting process.
Manage underwriting pipeline queues (i.e., initial submissions, conditions, change requests, final approval) to deliver timely decisions that meet company‑published service standards
Respond promptly to assist in resolving issues related to requests such as post‑closing conditions, suspended loans, quality control audits, and investor audits/inquiries
Maintain current knowledge of company, agency, and investor underwriting guidelines and policies
Scenario support for production
Operate with a goal to meet and exceed internal and external customer expectations.
Operate in a manner that promotes loan quality and compliance with lending laws
Maintain productivity and quality performance at or above required goals
SKILLS & ABILITIES
Subscribe to the mission of creating a truly customer and team member‑centric environment
Love to come into work every day and win
Highly motivated self‑starter who can work independently under minimal supervision and as a team player
Clear, effective interpersonal skills, written and verbal communication skills
Ability to work in a fast‑paced, multi‑tasking environment and manage multiple deadlines
Strong analytical, problem‑solving, and creative thinking skills
Ability to learn and adapt to guideline changes
Strong organization, follow‑through, and time management skills
Excellent attention to detail with commitment to accuracy and quality
Dependable, responsible, and able to use good judgment
QUALIFICATIONS & EXPERIENCE
Bachelor’s degree preferred
2‑5 years of underwriting experience in a high‑volume mortgage setting
Extensive knowledge in the Non‑QM products such as jumbo, DSCR, 1099 loans, bank statement, limited doc, etc.
Advanced/Extensive knowledge and responsibility for compliance with state and federal regulations applicable to loan fulfillment
Advanced math skills; adept at calculating income from salaried and self‑employed borrowers, qualifying ratios, and other relevant loan calculations
Basic proficiency in Microsoft Office products (Excel, Word, PowerPoint, etc.)
Experience with Byte is a plus
Other Duties: This position profile is not intended to be an all‑inclusive list of job duties and responsibilities, as one may be asked to perform additional related duties, as assigned, in order to meet the needs of the organization.
Compensation: $34.00-$44.00/hour + bonus.
Location: Remote opportunity available.
Mission Loans, LLC. is proud to be an Equal Opportunity Employer. Mission Loans does not discriminate based on race, color, gender, disability, veteran, military status, religion, age, creed, national origin, sexual identity or expression, sexual orientation, marital status, genetic information, or any other basis prohibited by local, state, or federal law.
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