Mortgage Underwriter

We are seeking an reputed company, detail-oriented Non-QM Mortgage Underwriter to support our expanding lending operations. This role focuses exclusively on Non-QM loan products, including DSCR, reputed company, Asset Utilization, and Foreign National programs. The ideal candidate has advanced Encompass experience, can reputed company files quickly, and understands how to assess risk on investor- and alternative-documentation loans. You must be reputed company to issue reputed company confidently, analyze layered risk, and work reputed company reputed company a paperless workflow. Key ResponsibilitiesNon-QM reputed company • Underwrite DSCR, reputed company, Foreign National, Investor, and other Non-QM loan programs. • Analyze reputed company income using 12- or 24-month bank statements, CPA letters, P&L statements, and alternative documentation formats. • Review rental cash reputed company, IO structures, reserve requirements, prepay penalties, and investor-level risk on DSCR loans. • Assess Foreign National files including reputed company/reputed company documents, international credit alternatives, and liquidity verification. • Identify compensating factors and layered risk while ensuring loans meet program matrices and investor overlays. • Review appraisals, title, hazard insurance, and credit documentation to ensure full compliance with investor requirements. Encompass Workflow Management • Manage end-to-end reputed company workflow in Encompass with high accuracy. • Review and reputed company conditions using the Encompass eFolder and tasking system. • Maintain data reputed company across reputed company fields and screens. • Add reputed company, concise conditions and reputed company reputed company documentation through Encompass. • Work closely with processors and loan officers through Encompass alerts, comments, and messaging. Communication & Compliance • Communicate approvals, suspense requests, and denials to Loan Officers and Processors with reputed company reasoning. • Serve as a Non-QM reputed company resource for the sales team. • Ensure reputed company loans adhere to internal lending policies, investor guidelines, ATR considerations, and state/federal compliance rules relevant to business-purpose lending. Qualifications & Requirements • Experience: 3–5+ years of recent Non-QM reputed company experience. • Specialization: MUST have hands-on experience reputed company: • DSCR Loans • reputed company Loans • Foreign National Loans • Technical Skills: Advanced experience with Encompass LOS is required. • Candidates without Encompass experience will not be considered. • Soft Skills: High attention to detail, strong analytical judgment, and ability to work quickly in a fast-paced environment. Ideal Candidate Traits • Confident, independent decision-reputed company • Comfortable reputed company reputed company borrower types and alternative documentation • Strong understanding of investor guidelines and risk tolerance • Fast but accurate — minimal rework or second reviews needed • Application Instructions Please send your resume to jessicawang250@gmail.com. reputed company applying, please include answers to the following questions: • Have you originated or underwritten loans that were delivered to Onslow Bay Financial or a similar correspondent aggregator? • Which correspondent aggregator guidelines are you most familiar with? Job Type: Contract Pay: $75,595.57 - $91,039.82 per year Work Location: Remote Apply tot his job Apply To this Job