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Non-QM Underwriter- IN OFFICE

Jersey City, NJ

Position Overview: We are looking for a highly skilled Underwriter with expertise in underwriting bridge loans and Non-QM (Non-Qualified Mortgage) products, particularly DSCR (Debt Service Coverage Ratio) loans. The successful candidate will have a deep understanding of underwriting guidelines, risk assessment, and regulatory compliance related to these specialized loan products. This is an exciting opportunity to join a dynamic team and contribute to the success of our organization.


  • Evaluate loan applications and documentation to determine creditworthiness and compliance with underwriting guidelines
  • Analyze borrower financial statements, tax returns, credit reports, and other relevant documentation
  • Assess property appraisals and valuation reports to ensure accuracy and adequacy of collateral
  • Calculate Debt Service Coverage Ratio (DSCR) for Non-QM loans and other relevant financial metrics
  • Review and interpret complex legal documents such as purchase contracts and loan agreements
  • Collaborate with loan officers, processors, and other stakeholders to resolve underwriting issues and expedite loan approvals
  • Ensure compliance with all regulatory requirements, investor guidelines, and company policies
  • Provide guidance and support to junior underwriters and other team members as needed


  • Minimum of  5 years of experience as a mortgage underwriter
  • Demonstrated expertise in underwriting bridge loans and Non-QM products, including DSCR loans
  • Strong understanding of underwriting principles, guidelines, and risk assessment methodologies
  • Proficiency in using underwriting software and systems
  • Excellent analytical and problem-solving skills
  • Ability to effectively communicate underwriting decisions and rationale
  • Detail-oriented with a commitment to accuracy and quality
  • Knowledge of relevant regulatory guidelines and compliance requirements
  • Bachelor's degree in finance, business administration, or related field preferred

Location: Jersey City, NJ

Thank you for your interest! 

If your background aligns with our clients needs, one of our Recruiters will reach out. 

Unfortunately due to high volumes of applicants, we may not be able  to respond to those who are not a fit.  If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities. 

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