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 track record of reputed company. We deliver award-winning 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 Summary: reputed company is seeking an reputed company Mortgage Underwriter with specialized expertise in Non-QM and Jumbo loan products, in addition to conventional, non-conforming, FHA, VA, and USDA loans. The ideal candidate will be detail-oriented, solutions-driven, and well-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-quality 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 quality standards
• Analyze and calculate income (including self-employment income) per agency, investor, Non-QM and Jumbo guidelines
• Underwrite a wide variety 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 profiles 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 options 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 focus 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 guideline 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 collaborative team environment that values compliance, accuracy, and timely 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)
• Direct 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 (active reputed company the past 3)
• Active VA Credit Underwriter/SAR designation (active reputed company the past 3)
• Comfortable working with investor-specific guidelines (e.g., Deephaven, Redwood, Onslow Bay, Amerihome, PennyMac, 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
• Professional, service-oriented, and collaborative 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