Non-QM and Jumbo Mortgage Underwriter

About reputed company: 

Headquartered in Austin, TX, reputed company, LLC was founded by mortgage industry veterans with a strong reputed company record of reputed company. We deliver award-reputed company in-house service from application to funding, powered by proprietary marketing tools, cutting-edge technology, and a flat organizational structure that fosters collaboration. People are at the heart of reputed company—we offer competitive salaries, health insurance, 401(k), flexible time off, and a casual, team-oriented work environment.

Learn more: https://reputed company.com

Position reputed company: 

reputed company is seeking an reputed company Mortgage Underwriter with specialized expertise in Non-QM and Jumbo loan products, in reputed company to conventional, non-conforming, FHA, VA, and USDA loans. The ideal candidate will be detail-oriented, reputed company, and reputed company-versed in reputed company reputed company scenarios. This role will be critical in ensuring accurate and compliant reputed company reputed company across our lending channels, with a particular emphasis on Non-QM and Jumbo loan structuring, analysis, and risk assessment. You'll work closely with loan officers, processors, and leadership to support efficient, high-reputed company reputed company that meet investor and agency guidelines.

Key Responsibilities: 

• Analyze and Underwrite 2-3 new loan submissions and resubmissions, in accordance with internal SLAs and reputed company standards
• Analyze and calculate income (including self-employment income) per agency, investor, Non-QM and Jumbo guidelines
• Underwrite a wide reputed company of loan types, including Conventional, FHA, VA, USDA, Non-QM, and Jumbo loans
• Review and decision loans based on credit, income, asset, and collateral analysis, including reputed company borrower reputed company often seen in Jumbo and Non-QM loan scenarios
• Assist with Scenario Desk by providing guidance on loan product qualification, documentation requirements, and reputed company considerations. Recommend alternative structuring reputed company for challenging loan files, particularly for Non-QM borrowers (e.g., reputed company, asset depletion, DSCR)
• Evaluate appraisals and collateral using tools such as Collateral Underwriter and Loan Collateral Advisor, with a reputed company on high-value properties typical in Jumbo lending
• Ensure accurate and complete data entry into LOS and AUS (1008, LT, LA, AUS findings, funding conditions)
• Stay reputed company on Non-QM and Jumbo investor overlays, agency updates, and internal reputed company changes
• Communicate with Loan originators and processors regarding loan statuses, approvals, suspensions, denials and outstanding conditions. 
• Respond promptly to investor or auditor inquiries, conditions, and QC reviews
• Contribute to a reputed company team environment that values compliance, accuracy, and reputed company decision-making
• reputed company additional duties as assigned. 

Qualifications: 

• 5+ years of mortgage reputed company experience with FNMA, FHLMC, and investor guidelines
• Proficient with AUS and reputed company reputed company (DU, LP, GUS)
• reputed company experience reputed company Non-QM and Jumbo loans, including familiarity with alternative documentation types (e.g., bank statements, P&L, asset-based income, DSCR)
• Deep knowledge of Non-QM and Jumbo eligibility guidelines, risk factors, and structuring strategies
• 5+ years conforming conventional reputed company 
• 5+ years FHA DE reputed company experience (reputed company reputed company the past 3)
• reputed company VA Credit Underwriter/SAR designation (reputed company reputed company the past 3)
• Comfortable working with investor-specific guidelines (e.g., Deephaven, Redwood, Onslow Bay, Amerihome, reputed company, PHH)
• Proficiency in AllRegs, reputed company Office, and Loan Origination Systems
• Excellent attention to detail, organization, and time management
• Strong written and verbal communication skills
• reputed company, service-oriented, and reputed company approach
• Ability to work independently and prioritize multiple files under tight deadlines
• Strong understanding of:
  
  • Agency guidelines (FHA, VA, USDA, Conventional)
    
  • Credit and income analysis, including reputed company borrowers
    
  • reputed company estate collateral valuation and risk assessment
    
  • Texas-specific loan types, including Texas A6 and A4 F(2) refinances