Non-QM Underwriting Manager - Remote

Position Overview: The Non-QM Underwriting Manager is responsible for leading, developing, and scaling a high-performing non-QM underwriting team and being the subject matter expert for non-QM loan programs, balancing loan production goals with sound credit risk management, investor requirements, and regulatory compliance. Ideal candidates for this position have expert knowledge in non-QM loan programs, guidelines, and investor requirements, proven ability to oversee a high-volume underwriting pipeline, and have proven experience leading and developing teams. Essential Functions of the Role: • Manage, coach and train a team of underwriters to ensure quality, compliance and service-level standards are met. • Oversee the non-QM underwriting pipeline to ensure loans are reviewed, approved, and cleared-to-close within established turn times. • Serve as escalation point for difficult files, guideline interpretation, and exception requests. • Track productivity, quality, suspense, and defect trends with reporting and loan-level reviews. • Conduct periodic loan reviews to ensure adherence to internal credit standards, investor guidelines, and regulatory requirements. • Ensure loans are underwritten to guidelines that are compliant with state and federal laws and regulations, including HMDA, Regulation Z, and Regulation B. • Collaborate with Operations, Sales, and Secondary leadership to align on goals, capacity planning, and service-level expectations. • Other duties as assigned. Classification: Full Time, Exempt Essential Knowledge/Skills/Abilities: • Expert knowledge in non-QM loan programs, guidelines, and investor requirements • Proven underwriting pipeline management skills • Proven experience leading and developing teams • Expert knowledge of income analysis, including self-employed borrowers, tas returns, P&Ls and K-1s • Demonstrated ability to analyze workflows and implement improvements in standard operating procedures Non-QM Underwriting Manager Essential Knowledge/Skills/Abilities, Cont’d: • Comprehensive knowledge of mortgage regulations, including HMBDA, Reg Z, Reg B, and FNMA guidelines • Strong communication skills • Ability to work across organizational boundaries • Highly detail-oriented • Strong decision-making skills • Advanced problem-solving capabilities • Strong critical thinking skills • Proven ability to prioritize and multi-task Experience Requirements: • Minimum of five (5) years of progressive levels of mortgage underwriting experience required, with a minimum of two (2) years of non-QM underwriting experience. • Prior underwriting management experience required. • Encompass and Desktop Underwriter experience preferred. Education / Licensing Requirements: • High school diploma or equivalent required. Some college preferred. Working Conditions: • Fast-paced environment. • Requires normal vision (corrected) both close and distant. • Requires normal hearing levels (corrected). • Requires working at a desk to use a phone and computer for extended periods of time. • Requires sitting, bending. • Works effectively with frequent interruptions. • Lifting requirements of 10 lbs. occasionally. • Minimal travel <5%. Apply tot his job