Apply to Remote Sr Wholesale Non-QM Underwriter

Position: Wholesale Non-QM Underwriter
Location: Remote, United States- Candidate Must reside on West Coast or Mountain West, Southwest Area of the US
Work Model: Fully Remote, equipment not provided
Compensation: $100,000 base salary, plus monthly production bonus after 90 days
Overtime: Paid overtime
Schedule: Full-Time, 40 hours per week, Pacific Time hours required
Benefits: Medical, Dental, 401(k)

Overview

A growing mortgage company is seeking an experienced Remote Wholesale Non-QM Underwriter to support increased loan volume within its wholesale lending channel.

This position is best suited for an underwriter with extensive, recent wholesale/TPO Non-QM experience who can independently review complex loans, apply multiple investor guidelines, and make sound underwriting decisions with minimal supervision.

The ideal candidate has strong knowledge of alternative income documentation, specialized Non-QM programs, and third-party investor matrices. Strong communication, attention to detail, and the ability to identify compliant solutions to complex loan scenarios are essential.

Responsibilities

Underwrite wholesale Non-QM loans from initial review through final underwriting decision.
Analyze income, assets, credit, collateral, and supporting documentation.
Apply multiple third-party Non-QM investor matrices to determine loan and program eligibility.
Evaluate alternative qualifying options when a loan does not meet initial investor guidelines.
Underwrite bank statement, 1099, asset utilization, P&L, VOE, and DSCR loans.
Review complex self-employed borrower scenarios and alternative income documentation.
Evaluate specialized loan programs, including ITIN, foreign national, HELOC, and closed-end home equity transactions.
Issue clear underwriting decisions and detailed conditions.
Work closely with investors, brokers, account executives, loan coordinators, closers/funders, and other underwriters.
Maintain quality and production standards within a wholesale/TPO environment.
Communicate effectively with internal and external partners to resolve underwriting issues.
Use Encompass to review, condition, and manage loan files.

Qualifications

Minimum 4 years of direct wholesale/TPO Non-QM underwriting experience.
Current or most recent employment with a wholesale mortgage lender.
Hands-on wholesale Non-QM underwriting experience within the past 6 months.
Extensive experience underwriting against multiple third-party Non-QM investor matrices.
Ability to independently interpret investor guidelines and determine loan eligibility.
Direct underwriting experience across bank statement, 1099, asset utilization, P&L, VOE, DSCR, and stated income programs.
Experience underwriting limited-documentation and streamlined alternative income programs.
Experience with ITIN, foreign national, HELOC, and closed-end home equity loan programs.
Experience evaluating first-time investor and first-time homebuyer eligibility under alternative lending guidelines.
Ability to independently issue underwriting decisions and conditions.
Proficiency with Encompass.
Strong analytical and problem-solving skills.
Excellent communication and customer service skills.
Ability to work independently without Non-QM underwriting training.
Ability to work Pacific Time hours.
Must reside in the United States and supply own equipment.

NMS Disclaimer

Client requirements and hiring decisions are set by the hiring company. Please ensure your application details align with your resume and reflect your direct experience.

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First Name *

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How many years of direct wholesale Non-QM (non-agency) underwriting experience do you have? *

Which best describes your current or most recent mortgage employer? *

Which lending channel did you personally underwrite loans in at your current or most recent employer? *

How many months has it been since you last personally underwrote a wholesale Non-QM loan? (Enter Current if currently underwriting these loans.) *

Were you personally responsible for completing full credit underwriting reviews and issuing underwriting decisions? *

Within the past 12 months, have you personally underwritten wholesale Non-QM alternative-documentation loans for third-party investors, excluding full-documentation jumbo loans and loans underwritten exclusively to your employer's proprietary guidelines? *

Which statement best describes how you personally underwrote wholesale Non-QM loans within the past 12 months? *

Within the past 24 months, approximately what percentage of your wholesale Non-QM underwriting required you to personally apply individual third-party investor matrices rather than a single company-wide guideline set? *

Number only Answer

How many different third-party Non-QM investor matrices have you personally underwritten against within the past 24 months? Do not include your employer's proprietary underwriting guidelines or Fannie or Freddie. *

Which of the following alternative income documentation programs have you personally underwritten? *

Select all that apply

Approximately what percentage of your wholesale Non-QM underwriting over the past 12 months involved P&L and written VOE income qualification programs? *

number only

Which of the following specialized Non-QM loan types have you personally underwritten? *

Which third-party Non-QM investors have you personally underwritten loans for, and can you briefly describe a time you used different investor guidelines to find a solution for a loan that didn't initially qualify? *

Short Text Answer- 2-3 questions

This position is dedicated exclusively to Non-QM underwriting and does not offer opportunities to underwrite FHA or VA loans. Are you comfortable working exclusively in Non-QM without needing to underwrite other loan products to maintain your credentials *

How many years of hands-on Encompass experience do you have specifically as an underwriter?

How many years of experience do you have working remotely? *

Are you able to work a full-time, 40-hour schedule from 9am-6pm Pacific Time, with occasional overtime required? *

Are you able to work a full-time, 40-hour schedule aligned with Pacific Time? *

Are you comfortable with a salary range of $90-100k, plus a monthly production bonus after 90 days and paid overtime? *