Senior Underwriter
virtual vocationsNew York (NY)
Senior Underwriter
Posted today
virtual vocationsNew York (NY)
SENIORITY
Senior
About the role
Evaluating complex mortgage loan applications outside traditional Qualified Mortgage (QM) guidelines, the full-time Senior Underwriter will manually underwrite transactions, perform quality control audits, and collaborate with internal staff in a remote environment.
Key responsibilities:
Manually underwrite mortgage loan transactions to ensure compliance with company and investor credit guidelines
Perform quality control audits of third-party vendors to verify adherence to credit guidelines and requirements
Collaborate with internal teams and clients to communicate purchase/funding eligibility requirements and clear loan conditionsRequired qualifications 15+ years of underwriting experience, with recent hands-on Non-QM underwriting experience
Ability to manually calculate income for complex self-employed borrower profiles and various Non-QM programs
Proficiency in Encompass for managing workflows and analyzing documentation
Strong understanding of Non-QM guidelines, investor overlays, and risk layering
Experience underwriting HELOCs and 2nd mortgages preferred
Before you apply
Applying takes about a minute. These four things decide how fast it moves after that.
Your profile is current
It's what we read first. Occupations, seniority and locations matter more than a long history.
Two examples you can talk through
Not a portfolio — just two pieces of work where you can explain the decisions and what you'd change.
A number in mind
What you're on now and what would make you move. We negotiate better when we know both.
Your notice period
Employers plan around it, and it's the question that stalls offers most often.
Once you apply, someone reads it and calls you before anything reaches the employer — usually within two working days.