Deephaven Data Labs

Role Description Our high-energy sales team develops and maintains mortgage loan broker relationships and agreements with qualified brokers, banks, and credit unions within their assigned territory. As a JR Wholesale Account Executive, you will develop new relationships, explain our process, our success, and the benefits of working with us. You will be expected to provide support to one of our senior account executives. What You’ll Do - Developing a solid call script and follow up methods - Making a minimum number of outbound calls each day, accompanied by quality conversations - Generate new broker applications - Listen attentively to the needs of broker partners and work with the Sr. Account Executive to provide solutions - Work with the Sr. Account Executive to generate new business and create revenue - Make daily outbound calls to develop new accounts and follow up - Adhere to training plan and meet minimum performance metric goals for the first year - Remain up-to-date with regulatory industry standards and requirements - Provide daily and weekly updates to the Sr. Account Executive - Recommend additional products/programs/functionality that would assist in the growth and/or profitability of the Wholesale Lending Channel Qualifications - Self-Starter, able to generate new and fresh ways to prospect new business - Willingness and ability to learn and develop an understanding of mortgage loan processing, underwriting, and closing procedures - Technology savvy, quick to learn new computer software - Excellent interpersonal and relationship development skills - Ability to work well independently, in a fast-paced environment - Exhibit confidence and empathy when dealing with current and potential customers - Accurately represent Deephaven Mortgage and our wholesale team’s capabilities and strengths - Ability to resolve conflict while conducting yourself in a professional manner regardless of the situation - Team player committed to excellence, working hard, and having fun Benefits - Flexible Time to Recharge – Personalized Time Off for What Matters (because rest isn't one-size fits all) - Future Finance Focused – Generous employer-matched 401(k) plan - Community Connect – Philanthropy Committee that creates charitable initiatives - Health from Day One – Comprehensive health insurance starting on day one of employment - Family Matters – Competitive maternity and paternity leave - Culture & Celebrations – Culture Committee with team-building events and celebrations - Ideas Welcome – Encouraging thought leadership and innovation - Guidance & Growth – Mentorship opportunities for career development - Perk Up – Exclusive discounts on travel, tech, pets, legal, and more

Why Deephaven Mortgage? Deephaven Mortgage has been a pioneer and leader in non-QM since our origin in 2012. Our longevity and strength in the non-QM space has allowed a significant number of borrowers to achieve homeownership who otherwise would not have under traditional requirements. Deephaven champions mortgage borrowers whose independence, entrepreneurial drive and determination are often the very reason they cannot qualify for a traditional loan. We continuously and responsibly innovate new mortgage products and programs that put homeownership within reach of millions of borrowers and investors that need and deserve financing through lending ingenuity that is supported by common-sense underwriting. Deephaven is comprised of two lending platforms. Our wholesale channel offers loans through a network of over 1,000 independent mortgage brokers. Our correspondent channel buys loans from over 200 correspondent partners. Deephaven’s headquarters are in Charlotte, North Carolina. To learn more about our innovative loan solutions please visit www.deephavenmortgage.com or email us at info@deephavenmortgage.com. Job Overview The Business Development & Training Coordinator will support the VP of Business Development & Training in executing training initiatives that help brokers, correspondent partners, and internal teams succeed in the Non-QM mortgage market. This role will assist in the development, coordination, and delivery of training programs focused on Non-QM products, guidelines, processes, and tools. The ideal candidate is organized, collaborative, and eager to learn the Non-QM lending space. This role will help ensure training materials are accurate, engaging, and accessible while supporting business development initiatives that strengthen broker and partner relationships and expand the company’s reach in the market. What You’ll Do Training Development & Content Support - Maintain and update Non-QM training decks and materials to ensure they reflect current guidelines, product updates, and compliance requirements - Develop and refine webinar presentations, specialty training decks, and sales enablement materials for brokers, correspondent partners, and internal teams - Create customized white-label training materials for clients, including broker, correspondent, and Realtor education decks tailored with partner branding and messaging - Support the development of specialty training materials for correspondent partners by tailoring content to specific program requirements and removing overlays where appropriate - Assist in the creation of internal and external training resources including job aids, playbooks, and educational documentation - Help revamp existing training materials to make sessions shorter, more engaging, and more sales-focused Training Program Coordination - Coordinate and manage logistics for webinars, training sessions, and educational events including scheduling, registrations, material preparation, and post-event follow-up - Support the preparation of training presentations for recurring sessions such as Cats Corner, product training webinars, and internal education initiatives - Compile webinar survey feedback and develop summary reports to evaluate training effectiveness and identify opportunities for improvement - Support development of town hall presentations and internal communication materials related to training and product updates - Track training participation, attendance, and feedback metrics to help measure program impact Sales & Partner Education Support - Assist with the development of a Non-QM Sales Playbook including messaging guides, email and voicemail examples, marketing strategies, and objection-handling resources for sales teams - Participate in recurring meetings with product and credit leaders to review loan scenarios, denials, and exceptions in order to improve training content and broker education - Help develop creative webinar topics designed to increase broker engagement, attendance, and educational value - Support the launch and development of a Non-QM “Deephaven Academy” training program for loan officers, including certification and branded recognition for participants Training Delivery & Skill Development - Shadow training sessions and gradually assist in delivering internal and external education sessions to build capacity for training initiatives - Develop expertise in company products, guidelines, and processes to become an additional training resource for sales teams, brokers, and partners - Assist with product and system training initiatives including HELOC portal education to support scaling of training efforts across the organization - Help facilitate educational sessions such as product office hours or Q&A forums to support broker and sales team learning Market Engagement & Industry Awareness - Support preparation for conferences, webinars, and industry events where training and educational resources are presented - Attend select industry events or trade shows to gain insight into broker needs, market trends, and training opportunities Qualifications - Bachelor’s degree in Business, Communications, Education, Finance, or a related field preferred - 1–3 years of experience in training coordination, sales support, mortgage operations, or a related role - Interest in learning the Non-QM mortgage market and mortgage products. - Strong organizational and project coordination skills - Excellent communication and presentation skills with the ability to explain complex topics clearly - Proficiency in PowerPoint, Excel, and virtual training platforms (Zoom, Teams, or similar) - Ability to manage multiple projects and deadlines in a fast-paced environment. - Collaborative mindset with a willingness to learn and grow within the mortgage industry Preferred Experience - Exposure to mortgage lending, capital markets, wholesale lending, or correspondent channels - Experience supporting training programs, educational initiatives, or sales enablement efforts - Familiarity with CRM or learning management systems (LMS) - Basic understanding of mortgage guidelines or Non-QM lending products Privacy Policy This organization participates in E-Verify Our Perks Flexible Time to Recharge – Personalized Time Off for What Matters (because rest isn't one-size fits all) Future Finance Focused – Generous employer-matched 401(k) plan Community Connect– Philanthropy Committee that creates charitable initiatives Health from Day One – Comprehensive health insurance starting on day one of employment Family Matters – Competitive maternity and paternity leave Culture & Celebrations – Culture Committee with team-building events and celebrations Ideas Welcome – Encouraging thought leadership and innovation Guidance & Growth – Mentorship opportunities for career development Perk Up – Exclusive discounts on travel, tech, pets, legal, and more

Why Deephaven Mortgage? Deephaven Mortgage has been a pioneer and leader in non-QM since our origin in 2012. Our longevity and strength in the non-QM space has allowed a significant number of borrowers to achieve homeownership who otherwise would not have under traditional requirements. Deephaven champions mortgage borrowers whose independence, entrepreneurial drive and determination are often the very reason they cannot qualify for a traditional loan. We continuously and responsibly innovate new mortgage products and programs that put homeownership within reach of millions of borrowers and investors that need and deserve financing through lending ingenuity that is supported by common-sense underwriting. Deephaven is comprised of two lending platforms. Our wholesale channel offers loans through a network of over 1,000 independent mortgage brokers. Our correspondent channel buys loans from over 200 correspondent partners. Deephaven’s headquarters are in Charlotte, North Carolina. To learn more about our innovative loan solutions please visit www.deephavenmortgage.com or email us at info@deephavenmortgage.com. Job Overview Deephaven Mortgage is hiring for Wholesale Account Executives in the non QM space. The ideal candidate will possess a strong combination of interpersonal skills, positivity, be a quick learner, and be able to take Deephaven’s process, products, pricing, and service to the wholesale broker marketplace in a confident manner. Account Executives are expected to increase and grow the Company’s wholesale lending business by developing and maintaining mortgage loan broker relationships and agreements with qualified brokers, banks, and credit unions within their assigned territory. What You'll Do - Make daily outbound calls to develop new accounts and follow up regularly to ensure client satisfaction - Answer loan pricing and scenario questions - Work closely with operations to resolve any issues - Work with partners to assist in account development - Manage client expectations and develop trust - Manage tracking and reporting of monthly volume and loan quality - Remain up to date with regulatory industry standards and requirements What We Need - 2+ years of mortgage lending experience - Well-developed understanding of mortgage underwriting, processing, closing and sales procedures - Excellent interpersonal and account development skills - Exceptional customer service skills, with attention to detail and follow through - Ability to work well independently, in a fast-paced environment - Strong desire to progress, learn and begin a long-term career with the right company - Exhibits confidence and empathy when dealing with current and potential customers - Accurately represents Deephaven Mortgage and our wholesale team’s capabilities and strengths - Conducts himself/herself in a professional manner regardless of the situation - Team player committed to excellence, working hard and having fun - Experience with Encompass/Point/mortgage origination systems (Preferred) Privacy Policy This organization participates in E-Verify Our Perks Flexible Time to Recharge – Personalized Time Off for What Matters (because rest isn't one-size fits all) Future Finance Focused – Generous employer-matched 401(k) plan Community Connect– Philanthropy Committee that creates charitable initiatives Health from Day One – Comprehensive health insurance starting on day one of employment Family Matters – Competitive maternity and paternity leave Culture & Celebrations – Culture Committee with team-building events and celebrations Ideas Welcome – Encouraging thought leadership and innovation Guidance & Growth – Mentorship opportunities for career development Perk Up – Exclusive discounts on travel, tech, pets, legal, and more

Why Deephaven Mortgage? Deephaven Mortgage has been a pioneer and leader in non-QM since our origin in 2012. Our longevity and strength in the non-QM space has allowed a significant number of borrowers to achieve homeownership who otherwise would not have under traditional requirements. Deephaven champions mortgage borrowers whose independence, entrepreneurial drive and determination are often the very reason they cannot qualify for a traditional loan. We continuously and responsibly innovate new mortgage products and programs that put homeownership within reach of millions of borrowers and investors that need and deserve financing through lending ingenuity that is supported by common-sense underwriting. Deephaven is comprised of two lending platforms. Our wholesale channel offers loans through a network of over 1,000 independent mortgage brokers. Our correspondent channel buys loans from over 200 correspondent partners. Deephaven’s headquarters are in Charlotte, North Carolina. To learn more about our innovative loan solutions please visit www.deephavenmortgage.com or email us at info@deephavenmortgage.com. Job Overview Our high-energy sales team develops and maintains mortgage loan broker relationships and agreements with qualified brokers, banks, and credit unions within their assigned territory. As a JR Wholesale Account Executive, you will develop new relationships, explain our process, our success, and the benefits of working with us. You will be expected to provide support to one of our senior account executives. What You’ll Do - Developing a solid call script and follow up methods - Making a minimum number of outbound calls each day, accompanied by quality conversations - Generate new broker applications - Listen attentively to the needs of broker partners and work with the Sr. Account Executive to provide solutions - Work with the Sr. Account Executive to generate new business and create revenue - Make daily outbound calls to develop new accounts and follow up - Adhere to training plan and meet minimum performance metric goals for the first year - Remain up-to-date with regulatory industry standards and requirements - Provide daily and weekly updates to the Sr. Account Executive - Recommend additional products/programs/functionality that would assist in the growth and/or profitability of the Wholesale Lending Channel Qualifications - Self-Starter, able to generate new and fresh ways to prospect new business - Willingness and ability to learn and develop an understanding of mortgage loan processing, underwriting, and closing procedures - Technology savvy, quick to learn new computer software - Excellent interpersonal and relationship development skills - Ability to work well independently, in a fast-paced environment - Exhibit confidence and empathy when dealing with current and potential customers - Accurately represent Deephaven Mortgage and our wholesale team’s capabilities and strengths - Ability to resolve conflict while conducting yourself in a professional manner regardless of the situation - Team player committed to excellence, working hard, and having fun The compensation range for this position starts at $22 per hour plus a monthly incentive plan based on performance. Privacy Policy This organization participates in E-Verify Our Perks Flexible Time to Recharge – Personalized Time Off for What Matters (because rest isn't one-size fits all) Future Finance Focused – Generous employer-matched 401(k) plan Community Connect– Philanthropy Committee that creates charitable initiatives Health from Day One – Comprehensive health insurance starting on day one of employment Family Matters – Competitive maternity and paternity leave Culture & Celebrations – Culture Committee with team-building events and celebrations Ideas Welcome – Encouraging thought leadership and innovation Guidance & Growth – Mentorship opportunities for career development Perk Up – Exclusive discounts on travel, tech, pets, legal, and more

Why Deephaven Mortgage? Deephaven Mortgage has been a pioneer and leader in non-QM since our origin in 2012. Our longevity and strength in the non-QM space has allowed a significant number of borrowers to achieve homeownership who otherwise would not have under traditional requirements. Deephaven champions mortgage borrowers whose independence, entrepreneurial drive and determination are often the very reason they cannot qualify for a traditional loan. We continuously and responsibly innovate new mortgage products and programs that put homeownership within reach of millions of borrowers and investors that need and deserve financing through lending ingenuity that is supported by common-sense underwriting. Deephaven is comprised of two lending platforms. Our wholesale channel offers loans through a network of over 1,000 independent mortgage brokers. Our correspondent channel buys loans from over 200 correspondent partners. Deephaven’s headquarters are in Charlotte, North Carolina. To learn more about our innovative loan solutions please visit www.deephavenmortgage.com or email us at info@deephavenmortgage.com. Job Overview As an Account Manager, you will serve as the primary point of contact for brokers and Account Executives after loan submission. You will guide each loan through the process with a focus on accuracy, efficiency, and outstanding service. What You’ll Do - Act as the main point of contact for the broker once the loan has been submitted - Review loan applications for accuracy and completeness - Collect and verify all documentation required for initial and final loan approval. - Proactively manage the Estimated Closing Date and keep stakeholders informed - Prepare and submit initial, conditional, and final loan packages to underwriting. - Maintain timely and professional communication with brokers, adhering to service level agreements (SLAs) - Process change of circumstance requests within SLA timelines - Convert and organize loan documentation using Encompass - Send Notices and Counter Offers to brokers as applicable - Work closely with Account Executives, Underwriters, and Closers to ensure a seamless process - Order and review necessary services and verifications - Ensure the highest level of broker and customer satisfaction What We Need - 3+ years of mortgage processing experience - Proficient in MS Office including Word and Excel - Knowledge of current regulatory compliance requirements - Organized, analytical, detail oriented, and self-motivated - Manage pipeline to ensure Service Level Agreements (SLAs) are met - Communicate effectively with others, both verbally and in writing - Maintain the highest level of confidentiality and quality - Maintain knowledge of products and programs offered - Complete responsibilities effectively and efficiently with minimal direction - Manage daily tasks to ensure business needs are consistently met - Present self in a professional manner and interact with all levels of organization and outside contacts appropriately - Comply with Deephaven policies and procedures - Adopt the Deephaven culture that contributes to an environment of teamwork and promotes a positive company image to external customers - Complete all assigned training by required dates - Wholesale experience preferred - Encompass systems knowledge preferred - The ideal candidate will reside on the East Coast, candidates not residing in the Eastern Time Zone will not be considered for the position. The compensation band for this position starts at $25 per hour plus a monthly bonus incentive plan based on performance. Privacy Policy This organization participates in E-Verify Our Perks Flexible Time to Recharge – Personalized Time Off for What Matters (because rest isn't one-size fits all) Future Finance Focused – Generous employer-matched 401(k) plan Community Connect– Philanthropy Committee that creates charitable initiatives Health from Day One – Comprehensive health insurance starting on day one of employment Family Matters – Competitive maternity and paternity leave Culture & Celebrations – Culture Committee with team-building events and celebrations Ideas Welcome – Encouraging thought leadership and innovation Guidance & Growth – Mentorship opportunities for career development Perk Up – Exclusive discounts on travel, tech, pets, legal, and more

Why Deephaven Mortgage? Deephaven Mortgage has been a pioneer and leader in non-QM since our origin in 2012. Our longevity and strength in the non-QM space has allowed a significant number of borrowers to achieve homeownership who otherwise would not have under traditional requirements. Deephaven champions mortgage borrowers whose independence, entrepreneurial drive and determination are often the very reason they cannot qualify for a traditional loan. We continuously and responsibly innovate new mortgage products and programs that put homeownership within reach of millions of borrowers and investors that need and deserve financing through lending ingenuity that is supported by common-sense underwriting. Deephaven is comprised of two lending platforms. Our wholesale channel offers loans through a network of over 1,000 independent mortgage brokers. Our correspondent channel buys loans from over 200 correspondent partners. Deephaven’s headquarters are in Charlotte, North Carolina. To learn more about our innovative loan solutions please visit www.deephavenmortgage.com or email us at info@deephavenmortgage.com. Job Overview In this role, you will be responsible for evaluating mortgage loan applications that fall outside traditional Qualified Mortgage (QM) guidelines. You will assess borrower risk based on alternative documentation, ensure compliance with company policies and investor guidelines, and play a key role in decision-making for loan approvals. This role is remote with ability to work from any state in the U.S. What You’ll Do - Manually underwrite mortgage loan transactions submitted by our Correspondent and Wholesale lending clients to company and investor credit guidelines - Perform quality control audits of our third-party vendor to ensure mortgage loans meet all company and investor credit guidelines and requirements - Review loan scenarios and communicate purchase/funding eligibility requirements to our Correspondent and Wholesale lending clients - Collaborate with internal staff (e.g., Underwriters, Account Managers, Processors, Closers, Operations Management, etc.) of our correspondent lending clients, brokers and third party-vendors throughout the review process to clear purchase/funding eligibility conditions. - Work closely with processing staff to clear loan conditions throughout the process - Assist in handling loan-level credit and compliance questions & issues and in the preparation and dissemination of updated mortgage underwriting and compliance standards and procedures - Analyze loan applications and conduct financial due diligence to assess the creditworthiness of borrowers and the risk associated with the loan - Evaluate multi-family properties to determine their market value, condition, and potential for generating rental income - Review financial statements, rent rolls, and property operating data to ensure that the property’s income can cover loan payments and expenses - Collaborate with account executives, clients and stakeholders to gather necessary information and provide feedback on loan applications - Recommend loan structuring and terms that mitigate potential risks while meeting the needs of borrowers and lenders - Make informed decisions about whether to approve, deny, or modify loan applications based on comprehensive analysis and risk assessment Job Requirements - Recent, hands-on non-QM underwriting experience is required, including, but not limited to: - DSCR - Bank Statement (personal & business) - P&L–only qualification - Asset Depletion - Multi-family - Experience underwriting HELOCs and 2nd mortgages strongly preferred - 5+ years of experience as an underwriter - Ability to manually calculate income across all non-QM programs, including complex self-employed borrower profiles, layered income sources, and variable cash flow - Demonstrated ability to independently review and clear: - Title commitments & supporting documentation - Appraisal reports (including complex or unique property types) - Full condo project reviews (warrantable, non-warrantable, new construction, and small projects) - Proficiency in Encompass, with the ability to navigate workflows, analyze documentation, and manage conditions efficiently - High-volume underwriting background, managing 50+ initial underwrites per month while maintaining quality, accuracy, and fast SLAs - Strong understanding of non-QM guidelines, investor overlays, compensating factors, and risk layering - Excellent communication skills with the ability to clearly document decisions and collaborate with sales, processors, and closers - Strong critical thinking, independent decision-making, and problem-solving skills - Commitment to loan quality, compliance, and responsible lending Privacy Policy This organization participates in E-Verify Our Perks Flexible Time to Recharge – Personalized Time Off for What Matters (because rest isn't one-size fits all) Future Finance Focused – Generous employer-matched 401(k) plan Community Connect– Philanthropy Committee that creates charitable initiatives Health from Day One – Comprehensive health insurance starting on day one of employment Family Matters – Competitive maternity and paternity leave Culture & Celebrations – Culture Committee with team-building events and celebrations Ideas Welcome – Encouraging thought leadership and innovation Guidance & Growth – Mentorship opportunities for career development Perk Up – Exclusive discounts on travel, tech, pets, legal, and more

Why Deephaven Mortgage? Deephaven Mortgage has been a pioneer and leader in non-QM since our origin in 2012. Our longevity and strength in the non-QM space has allowed a significant number of borrowers to achieve homeownership who otherwise would not have under traditional requirements. Deephaven champions mortgage borrowers whose independence, entrepreneurial drive and determination are often the very reason they cannot qualify for a traditional loan. We continuously and responsibly innovate new mortgage products and programs that put homeownership within reach of millions of borrowers and investors that need and deserve financing through lending ingenuity that is supported by common-sense underwriting. Deephaven is comprised of two lending platforms. Our wholesale channel offers loans through a network of over 1,000 independent mortgage brokers. Our correspondent channel buys loans from over 200 correspondent partners. Deephaven’s headquarters are in Charlotte, North Carolina. To learn more about our innovative loan solutions please visit www.deephavenmortgage.com or email us at info@deephavenmortgage.com. Job Overview As an Account Manager, you will serve as the primary point of contact for brokers and Account Executives after loan submission. You will guide each loan through the process with a focus on accuracy, efficiency, and outstanding service. What You’ll Do - Act as the main point of contact for the broker once the loan has been submitted - Review loan applications for accuracy and completeness - Collect and verify all documentation required for initial and final loan approval - Proactively manage the Estimated Closing Date and keep stakeholders informed - Prepare and submit initial, conditional, and final loan packages to underwriting. - Maintain timely and professional communication with brokers, adhering to service level agreements (SLAs) - Process change of circumstance requests within SLA timelines - Convert and organize loan documentation using Encompass - Send Notices and Counter Offers to brokers as applicable - Work closely with Account Executives, Underwriters, and Closers to ensure a seamless process - Order and review necessary services and verifications - Ensure the highest level of broker and customer satisfaction What We Need - 3+ years of mortgage processing experience - Proficient in MS Office including Word and Excel - Knowledge of current regulatory compliance requirements - Organized, analytical, detail oriented, and self-motivated - Manage pipeline to ensure Service Level Agreements (SLAs) are met - Communicate effectively with others, both verbally and in writing - Maintain the highest level of confidentiality and quality - Maintain knowledge of products and programs offered - Complete responsibilities effectively and efficiently with minimal direction - Manage daily tasks to ensure business needs are consistently met - Present self in a professional manner and interact with all levels of organization and outside contacts appropriately - Comply with Deephaven policies and procedures - Adopt the Deephaven culture that contributes to an environment of teamwork and promotes a positive company image to external customers - Complete all assigned training by required dates - Wholesale experience preferred - Encompass systems knowledge preferred Privacy Policy This organization participates in E-Verify Our Perks Flexible Time to Recharge – Personalized Time Off for What Matters (because rest isn't one-size fits all) Future Finance Focused – Generous employer-matched 401(k) plan Community Connect– Philanthropy Committee that creates charitable initiatives Health from Day One – Comprehensive health insurance starting on day one of employment Family Matters – Competitive maternity and paternity leave Culture & Celebrations – Culture Committee with team-building events and celebrations Ideas Welcome – Encouraging thought leadership and innovation Guidance & Growth – Mentorship opportunities for career development Perk Up – Exclusive discounts on travel, tech, pets, legal, and more

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description In this role, you will be responsible for evaluating complex mortgage loan applications that fall outside traditional Qualified Mortgage (QM) guidelines. You will assess borrower risk based on alternative documentation, ensure compliance with company policies and investor guidelines, and play a key role in decision-making for loan approvals. - Manually underwrite mortgage loan transactions submitted by our Correspondent and Wholesale lending clients to company and investor credit guidelines. - Perform quality control audits of our third-party vendor to ensure mortgage loans met all company and investor credit guidelines and requirements. - Review loan scenarios and communicate purchase/funding eligibility requirements to our Correspondent and Wholesale lending clients. - Collaborate with internal staff (e.g., Underwriters, Account Managers, Processors, Closers, Operations Management, etc.) of our correspondent lending clients, brokers and third-party vendors throughout the review process to clear purchase/funding eligibility conditions. - Work closely with processing staff to clear loan conditions throughout the process. - Assist in handling loan-level credit and compliance questions & issues and in the preparation and dissemination of updated mortgage underwriting and compliance standards and procedures. Qualifications - Recent, hands-on Non-QM underwriting experience is required, including, but not limited to: - DSCR - Bank Statement (personal & business) - P&L–only qualification - Asset Depletion - Multi-family - Experience underwriting HELOCs and 2nd mortgages strongly preferred. - 12+ years of experience as an underwriter plus 3-4 years of recent experience underwriting Non-QM products. - Ability to manually calculate income across all Non-QM programs, including complex self-employed borrower profiles, layered income sources, and variable cash flow. - Demonstrated ability to independently review and clear: - Title commitments & supporting documentation - Appraisal reports (including complex or unique property types) - Full condo project reviews (warrantable, non-warrantable, new construction, and small projects) - Proficiency in Encompass, with the ability to navigate workflows, analyze documentation, and manage conditions efficiently. - High-volume underwriting background, managing 50+ initial underwrites per month while maintaining quality, accuracy, and fast SLAs. - Strong understanding of Non-QM guidelines, investor overlays, compensating factors, and risk layering. - Excellent communication skills with the ability to clearly document decisions and collaborate with sales, processors, and closers. - Strong critical-thinking, independent-decision-making, and problem-solving skills. - Commitment to loan quality, compliance, and responsible lending. Benefits - Flexible Time to Recharge – Personalized Time Off for What Matters (because rest isn't one-size fits all) - Future Finance Focused – Generous employer-matched 401(k) plan - Community Connect – Philanthropy Committee that creates charitable initiatives - Health from Day One – Comprehensive health insurance starting on day one of employment - Family Matters – Competitive maternity and paternity leave - Culture & Celebrations – Culture Committee with team-building events and celebrations - Ideas Welcome – Encouraging thought leadership and innovation - Guidance & Growth – Mentorship opportunities for career development - Perk Up – Exclusive discounts on travel, tech, pets, legal, and more