Non-QM Scenario Desk Underwriter - Remote Mortgage Underwriting Expert with Hybrid Work Model
Join the Team at NQM Funding, LLC: A Leader in Non-QM Mortgage Solutions
NQM Funding, LLC is a pioneering secondary market investor in the Non-QM space, offering cutting-edge mortgage programs, exceptional service, and competitive pricing through our wholesale and correspondent channels. As a top player in the industry, we're dedicated to providing innovative solutions for mortgage professionals and borrowers alike. Our company culture is built on a foundation of excellence, integrity, and customer satisfaction, making us an attractive workplace for top talent.
We're currently seeking a highly skilled and experienced Non-QM Scenario Desk Underwriter to join our Team Production Operations (TPO) division. As a remote mortgage underwriting expert, you'll play a critical role in providing customer support, analyzing complex loan scenarios, and ensuring compliance with our Non-QM program guidelines. This is an exciting opportunity to join a dynamic team and contribute to the success of our organization.
About the Role
Job Summary
As a Non-QM Scenario Desk Underwriter, you'll be responsible for providing exceptional customer support to our TPO, NDC, and Retail Loan Officers, Account Executives, and Brokers. Your primary duties will include analyzing loan scenarios, completing Bank Statement Analyses, and communicating results to stakeholders. You'll be an integral part of our Production Support team, working closely with Mortgage Sales Teams and Operations staff to ensure seamless loan processing.
Key Responsibilities
- Provide timely and accurate support for Non-QM program guidelines, requirements, and loan scenarios via email, online, and phone
- Complete Bank Statement Analysis requests within corresponding turn times, ensuring high-quality results and clear communication with stakeholders
- Coordinate with Business Process Outsourcing (BPO) partners to deliver and complete Bank Statement Analyses
- Perform Quality Control testing on Bank Statement Analysis work completed by BPO partners
- Utilize solid underwriting knowledge to document and clear loan conditions, analyze complex tax returns, and calculate qualifying monthly income
- Assist sales partners with structuring difficult loan scenarios and provide guidance on Non-QM program requirements
- Maintain proficiency in TPO and NDC Portal usage to support production partners with request submissions, document uploads, and access
- Organize and maintain facilities for completed Bank Statement Analyses and Scenario Grades
- Collaborate with Mortgage Sales Teams and Operations staff on a daily basis to ensure smooth loan processing
- Review Condominium Projects to determine eligibility with program requirements
- Perform other related duties as assigned
Requirements and Qualifications
Essential Skills and Competencies
- Excellent oral and written communication skills, with the ability to communicate complex ideas clearly and concisely
- Strong customer service skills, with a focus on providing exceptional support to stakeholders
- Diplomacy and negotiation skills, with the ability to build relationships with sales partners and stakeholders
- Math aptitude and organizational skills, with attention to detail and ability to prioritize tasks
- Professionalism and presentation skills, with the ability to represent the company in a professional manner
- Time management and computer literacy skills, with proficiency in software applications and technology
Education and Experience
- Mortgage Wholesale/Non-QM Underwriting experience is highly recommended
- High School Diploma or Equivalent required
- Minimum 5 years of Underwriting Experience (UW or secondary)
- Encompass Software Experience required
What We Offer
Compensation and Benefits
We offer a competitive salary range of $90,000 to $100,000, along with a comprehensive benefits package, including:
- Medical, Dental, and Vision Plans
- GAP Insurance and Life Insurance paid by the company
- Voluntary Life Insurance and 401K
- Pet Insurance and Legal Shield/ID Shield
Career Growth Opportunities and Learning Benefits
At NQM Funding, LLC, we're committed to the growth and development of our employees. We offer:
- Ongoing training and education opportunities to enhance your skills and knowledge
- Career advancement opportunities within the company
- A dynamic and supportive work environment that encourages collaboration and innovation
Work Environment and Company Culture
We offer a hybrid work model, combining remote work with time in our office. Our company culture is built on a foundation of:
- Excellence and integrity
- Customer satisfaction and loyalty
- Collaboration and teamwork
- Innovation and creativity
Equal Employment Opportunity
NQM Funding, LLC is an equal opportunity employer, committed to diversity and inclusion in the workplace. We prohibit discrimination, harassment, and retaliation against individuals based on protected characteristics, including:
- Race, color, creed, age, sex, gender, gender identity, and gender expression
- Religion, national origin, ancestry, marital status, military or veteran status
- Physical and/or mental disability or medical condition, genetic information, and sexual orientation
How to Apply
If you're a motivated and experienced mortgage underwriting professional looking for a new challenge, we encourage you to apply for this exciting opportunity. Please submit your application without delay, and we'll be in touch to discuss your qualifications further.
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