Non-QM Underwriter (DSCR / Bank Statement / Alt-Doc) – On-Site or Hybrid

Our client, a growing California-based mortgage lender, is seeking an experienced Non-QM Underwriter with expertise in DSCR, Bank Statement, and alternative documentation loan products. This position can be on-site or hybrid in either the North Hollywood or Brea office.

Key Responsibilities

• Review and underwrite Non-QM, DSCR, Bank Statement, VOE, P&L, and Asset-based mortgage loans.

• Analyze self-employed and alternative documentation income calculations.

• Ensure all files meet company, investor, and regulatory guidelines.

• Run AUS findings and evaluate risk using DU, LPA, and Total Scorecard.

• Communicate effectively with processors, account managers, and loan officers to resolve file conditions.

• Manage a consistent underwriting pipeline, maintaining strong accuracy and turnaround times.

• Stay current on investor guidelines and evolving Non-QM products.

Qualifications

• Minimum 5 years of residential mortgage underwriting experience.

• 3+ years of Non-QM underwriting experience (required).

• Advanced understanding of DSCR, Bank Statement, VOE, P&L, and Asset-based loans.

• Strong experience underwriting self-employed borrowers and complex income structures.

• Proficiency with Encompass LOS, CoreLogic FraudGuard, and AUS systems (DU, LPA, Total Scorecard).

• Must have underwritten front line loans within the past 12 months.

Compensation & Benefits

• Base salary: $70,000–$100,000 (DOE)

• Bonus: Monthly eligibility after 2 years based on funding quota

• Benefits: Health Insurance, SIMPLE IRA (3% match), PTO, 5 sick days per year

• Work Model: On-site or hybrid at either office (North Hollywood or Brea)

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National Mortgage Staffing does not determine the requirements or compensation for this role. All criteria are set forth by our client and must be followed exactly.

Thank you for your interest! 

If your background aligns with our clients needs, one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters.

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.