
Underwriting Lead
2 weeks ago
We are seeking experienced professionals proficient in end-to-end underwriting, income review, collateral underwriting, and non-QM underwriting.
Key Responsibilities:- End-to-End Underwriter
- Manage the complete underwriting process from initial assessment to final decision.
- Evaluate loan applications, credit reports, and borrower documentation to ensure compliance with company and investor guidelines.
- Collaborate with cross-functional teams to streamline underwriting workflows.
- Income Review Expert
- Analyze borrower income documents such as pay stubs, tax returns, and bank statements for accuracy and compliance.
- Ensure income calculations align with regulatory and investor standards.
- Provide recommendations for income optimization based on comprehensive analysis.
- Collateral Analyst
- Assess appraisal reports and property valuations to determine adequacy of collateral.
- Ensure appraisals meet investor and program guidelines.
- Identify and mitigate potential risks associated with property collateral.
- Non-QM Underwriting Specialist
- Underwrite Non-QM and Non-Agency loan products, including bank statement analysis, asset depletion, and DSCR No Ratio loans.
- Maintain an underwriting pipeline that meets established service level agreements.
- Review and analyze complex borrower profiles and financial documents.
- A minimum of 2 years of experience in underwriting roles, specifically in E2E, income review, collateral, or non-QM underwriting.
- Strong analytical and decision-making skills.
- Proficiency in interpreting financial documents and appraisal reports.
- Excellent communication and collaboration abilities.
- Flexibility to work night shifts as required.
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