• Responsible for underwriting mortgage loans • Underwrite conventional residential mortgage loans per product and investor guidelines • Ensures loans are in compliance with investor requirements, federal and state laws and regulations • Performs risk assessment of credit and collateral • Responds to and resolves any post-closing issues • Assist management to clear conditions and expedite loan closings • Takes initiative to keep current on changes in investor and M&T guidelines

Title: Non QM Mortgage Underwriter Location: California, United States Job Description: Overview We are partnering with one of the top wholesale lenders in the Non QM space as they expand their underwriting team. This is an opportunity to join a proven, well capitalized platform with strong leadership, consistent volume, and clear growth potential. If you are currently underwriting Non QM loans and want better support, cleaner files, and a more stable operation, this role is worth serious consideration. What They’re Offering - Strong base salary - Monthly production based bonuses - Backed by one of the most established leadership teams in Non QM - Consistent deal flow and experienced broker partners - Remote flexibility while working East Coast hours Key Responsibilities - Underwrite Non QM loan files in accordance with investor guidelines and internal credit policy - Review income, assets, credit, and collateral for complex Non QM scenarios - Analyze self employed income including bank statements, P and Ls, and alternative documentation - Communicate directly with brokers, account executives, and operations to resolve conditions and move files efficiently - Issue clear, accurate loan decisions and conditions - Maintain quality, consistency, and turnaround time standards - Stay current on Non QM program updates and guideline changes Required Qualifications - Current experience underwriting Non QM loans in a wholesale environment - Strong knowledge of Non QM products including bank statement, DSCR, asset depletion, and alternative income programs - Ability to independently manage a pipeline and prioritize effectively - Strong attention to detail and sound credit judgment - Comfortable working in a fast paced, high volume environment - Ability to work East Coast hours Preferred Qualifications - Experience underwriting multiple Non QM investor products - Prior remote underwriting experience - Strong communication skills with brokers and internal teams Why This Role This lender is known for competitive pricing, strong execution, and leadership that understands underwriting. You are not walking into chaos. You are joining a platform built to scale without burning out its underwriters. If you are open to a confidential conversation, reach out directly or send a message.

• Perform quality control reviews of mortgage loan files for adherence to specific lender guidelines with an emphasis on pre and post-closing audits, compliance. • Reviews include identifying potential fraud and/or misrepresentation, processing / underwriting deficiencies, compliance violations, and/or applicable scope specific opportunities. • Review and provide Quality Control feedback on loan file reviews completed by internal staff • Confirm loan product is compliance with program guidelines and borrower eligibility • Review employment documentation and re-calculate income documentation • Review and recalculate asset and reserve documentation • Review credit report and re-calculate liabilities • Review title commitments, hazard and flood insurance • Review and analyze borrower’s mortgage applications and related documents • Review and analyze real estate purchase contracts, if applicable • Perform Appraisal Reviews for completeness, health and safety issues, and external obsolescence • Identify all red flags within a loan file and ensure they are addressed accordingly • Determine proper designation for title, title services and all other shop-able fees • Compare fee payee names listed on Final Settlement Statement to invoices or other docs in file to validate accuracy of information • Compare Specific Closing Instructions for accuracy (fees and amounts) • Compare Specific Closing Instructions for (loan terms, principal and interest, escrow information). • Review final closing documents to ensure adherence with applicable law • Validate compliance with state specific Non-borrowing spouse signing requirements. • On NORTC eligible loans, verify compliance with Notice of Right to Cancel requirements of RESPA • Confirm all documents and pre-funding conditions pertaining Title, Trusts and POAs have been satisfied • Analyze individual loan files and determine compliance with applicable lender guidelines and/or loan approval • Follow quality control policies and procedures to ensure compliance with scopes of work • Identify training opportunities pertaining to quality reviews and communicate with Quality Manager to implement such needed sessions

• Review mortgage loan applications and supporting documentation (credit reports, income documents, appraisals, etc.) to assess borrower qualifications • Evaluate loans according to company, investor, and regulatory guidelines • Analyze risk factors and ensure loans meet product and compliance requirements • Render loan decisions (approve, suspend, or deny) and provide detailed conditions and rationale • Maintain thorough and accurate documentation in loan files and LOS (Loan Origination System) • Communicate underwriting decisions and conditions clearly to processors, loan officers, and other stakeholders • Stay updated on investor guidelines, industry trends, and regulatory changes (e.g., TRID, ATR/QM, HMDA) • Work collaboratively with processing and closing departments to resolve issues and ensure timely closings • Participate in audits and quality control reviews as needed • Maintain performance goals including turnaround time and accuracy