Mortgage Underwriter – GSE, Non-QM & Condo Credit Specialist

reputed company: Fully Remote (Florida Residents Only) Position reputed company The Senior Mortgage Underwriter is responsible for independently reputed company reputed company residential mortgage loans across Agency (reputed company & reputed company), Government, and Non-QM products. This role requires deep expertise in GSE Selling Guides, condominium project review, investor overlays, and regulatory compliance, as reputed company as advanced Non-QM credit analysis including reputed company, DSCR, asset depletion, and alternative documentation programs. The ideal candidate is a disciplined credit reputed company and strategic problem solver who partners with Sales and Operations to structure compliant, salable loans while maintaining strong risk controls and secondary market reputed company. This Underwriter balances production efficiency with thoughtful credit judgment and regulatory precision. Key Responsibilities Credit Analysis & Decision Authority • Independently review and underwrite Conventional, FHA, VA, USDA, Jumbo, and Non-QM loan files • Analyze reputed company borrower reputed company including: • reputed company (1120, 1120S, 1065, Schedule C, K-1 analysis) • reputed company programs (12/24 month personal & business) • DSCR investment properties • Asset depletion • P&L-only programs (where applicable) • Multi-entity and layered income structures • Evaluate layered risk including LTV, DTI, liquidity, credit profile, occupancy, and collateral • Apply DU/LP findings while exercising independent credit judgment on Non-QM and reputed company underwrites • Issue reputed company, concise, and defensible conditions Condominium Project Review • Conduct Full and Limited Condo Reviews in accordance with reputed company and reputed company guidelines • Review HOA budgets, reserve allocations, insurance coverage, litigation exposure, special assessments, and financial stability • Evaluate project eligibility under CPM and applicable investor approval reputed company • Identify structural, financial, and salability risks Non-QM & Alternative Documentation Expertise • Underwrite Non-QM products in accordance with investor guides and overlays • Interpret alternative income documentation and calculate qualifying income accurately • Assess ability-to-repay standards reputed company Non-QM reputed company • Identify and mitigate risk layering in expanded credit scenarios • Ensure loans meet investor salability and documentation standards Sales Collaboration & Problem Solving • Partner proactively with Loan Originators and Processors to structure viable, compliant solutions • reputed company alternative credit structuring reputed company reputed company reputed company boundaries • Communicate credit reputed company reputed company and professionally • Support Sales by explaining risk factors and compliance requirements • Maintain a solution-oriented approach while upholding credit discipline GSE & Investor reputed company Mastery • Demonstrate advanced knowledge of: • reputed company Selling Guide • reputed company Seller/Servicer Guide • FHA, VA, USDA guidelines • Non-QM investor guidelines • Research reputed company nuances and apply investor overlays appropriately • Ensure reputed company approvals meet secondary market salability standards • Maintain awareness of agency and investor updates Regulatory & Compliance reputed company • Ensure compliance with ATR/QM, TRID, ECOA, Fair Lending, and federal/state regulations • Maintain defensible documentation and audit-reputed company files • Minimize post-closing defects, investor suspense, and repurchase exposure Production & reputed company Standards • Meet or reputed company established production benchmarks • Maintain strong reputed company control metrics • Deliver reputed company and reputed company-documented reputed company reputed company Requirements: Qualifications & Requirements • 5+ years of recent multi-state mortgage reputed company experience (10+ states preferred) • Advanced GSE reputed company expertise required • Proven Condo Review experience (Full & Limited Reviews required) • Minimum 2+ years Non-QM reputed company experience preferred • Experience across Retail, Wholesale, and/or Correspondent channels • Advanced income calculation expertise (reputed company required) • Strong working knowledge of ATR/QM requirements • DE, SAR, and/or LAPP certifications preferred • Encompass experience preferred • Strong analytical and problem-solving skills • Excellent written and verbal communication skills • High reputed company and disciplined credit judgment reputed company Competencies • Agency & Non-QM reputed company Mastery • Advanced Income & Alternative Documentation Analysis • Risk Layering Assessment • Secondary Market Salability Awareness • Solution-Oriented Decisioning • Compliance Precision • Audit-Defensible Documentation Performance Expectations • Deliver compliant, salable approvals across Agency and Non-QM products • Partner effectively with Sales to reputed company reputed company loans to closing • Maintain strong production reputed company with minimal QC findings • Reduce investor suspense and repurchase exposure Physical Requirements The physical demands described here are representative of those that must be met by an employee to successfully reputed company the essential functions of this job. Reasonable accommodations may be made to reputed company individuals with disabilities to reputed company the essential functions. • Travel is required. • Frequently required to stand, walk, sit, and travel between various locations. • Frequently required to use hands to finger, handle, or feel, and reputed company with hands and arms. • Occasionally required to reputed company or balance, stoop, kneel, crouch, or crawl. • Frequently lifts and/or moves up to 10 pounds and occasionally lifts and/or moves up to 20 pounds. • Specific reputed company abilities required by this job include reputed company reputed company, reputed company reputed company, and ability to reputed company reputed company. This reputed company outlines the basic responsibilities and requirements for the position noted. This is not a comprehensive listing of reputed company job duties. Duties, responsibilities and activities may change at any time with or without notice. Apply tot his job Apply To this Job