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Maxwell

Non-QM Underwriter

Salary$75k – $80k
LocationRemote - US, Remote
Work moderemote
Typefull-time
DepartmentOperations Support
EquityIncluded
Company size1+ people
First seen4mo ago
Last seen2d ago
WHO WE ARE
We are committed to a supportive, diverse, and inclusive culture, living our values of Rigor, Ownership, Curiosity, Kindness, and “Straight Up” to promote equality and financial empowerment. Intrigued? Say hello!
WHO YOU ARE
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Exceptional organizational, analytical, customer service, and communication skills
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Excellent critical thinking, independent decision-making, and problem solving skills
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Must be well-versed with current Non-QM regulations
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Ability to work in a fast-paced, multi-tasked environment
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Thorough knowledge of federal and state laws pertaining to the mortgage banking industry (i.e.: TILA, ECOA, RESPA, etc.)
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Strong ability to independently review and clear Title documentation, Appraisal reports (including complex, unique property types, SSR’s and CDA’s) and Full condo project reviews (warrantable, non-warrantable, new construction)
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Strong knowledge of Trust documents
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Strong knowledge of LLC and Corporation documents
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Expert knowledge of AUS (DU, LP) results
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Ability to underwrite/review complex purchase and refinance transactions
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Ability to work independently as well as part of a team
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A full understanding of current FNMA/FHLMC underwriting guidelines is required
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Recent experience underwriting Non-QM loan programs
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Strong understanding of Non-QM borrower profiles, income, and documentation requirements
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Have a high-volume non-QM underwriting background while maintaining quality, accuracy, and meeting SLAs
WHAT YOU’LL BE DOING
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A thorough credit and collateral review of loan files to determine deficiencies and/or issues including calculating income using standard and alternative income calculation methods
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Manually calculate income across all non-QM programs including complex self-employed borrower profiles, layered income sources and variable cash flow.
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REO analysis
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Reviewing title documents to ensure clear title at closing
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Reviewing trust documents
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Reviewing condo documents in alignment with client and investor guidelines for warrantable and non-warrantable condos.
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Concise and accurate conditioning of loan files.
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Meet contractual turn times for initial, resubmission, and CTC reviews without sacrifice to quality.
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Analyze complex, high page count tax returns
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Communicate (telephone, email, and/or client communication portal) with the processor, LO, and client account managers in a professional manner in order to assist in moving files to a final underwriting approval in alignment with the Close of Escrow and/or lock expiration dates.
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Concise and accurate input of data into the LOS
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Accurately analyze AUS (FNMA, FHLMC) results
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Complete a comprehensive review and sign off of appraisals, SSR’s (CU, LCA) and CDAs
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Clear conditions while meeting turn-time requirements
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Maintain acceptable quality control and post-closing error metrics
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Ability to train and mentor peers
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Support and work on multiple loans for one borrower. You could have up to ten (10) loans for 1 borrower.
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Evaluate Non-QM loan applications to ensure compliance with client, investor guidelines, overlays, and company policies
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Identify and mitigate potential risks associated with Non-QM loans
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Read and interpret multiple sets of client and investor underwriting guidelines
IDEALLY, YOU’LL HAVE
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5+ years recent, hands-on experience in Non-QM underwriting
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Experience with Non-QM loan origination systems and software
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Experience and demonstrated ability to calculate full and alternative document income methods (DSCR, 1099, asset utilization, asset depletion, 12 and 24-month bank statement, tax returns, VOE, P&L, short-/long-term rental income - or any combination thereof which could also include W2, OT, bonus, and commission, Retirement, SSN, Alimony, child support, monthly maintenance)
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Compensation Range: $36.06/hr - $38.46/hr depending on experience.
WHAT WE OFFER YOU
Here, you get an opportunity to be a vital part of an agile team of thinkers and doers collaborating to change a multi-trillion dollar industry. We offer meaningful equity, a competitive salary, top-tier medical, dental, and vision insurance, flexible work hours, and vacation time.
More roles at Maxwell
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