Non QM Underwriter

Certainty Home Lending is a national mortgage lending company and a Rate Company. The company has helped borrowers achieve the dream of homeownership for over two decades. It takes pride in its team-oriented atmosphere, fostering a culture of excellence that focuses on delivering an exceptional experience to each of its customers. This approach earned Certainty the MortgageCX Best-In-Class Lender award from 2018 – 2022 and recognition as one of National Mortgage News’ Best Mortgage Companies to Work For in 2023. At Certainty, clients come first. We understand that the best customer experience is delivered by satisfied, empowered financial service professionals with access to the best loan products and tools. Learn more at certaintyhomelending.com

Job Profile:

Job Description Summary:

Pay Range: 85k to 105k + Bonus

Job Description:

OUR HISTORY

Certainty Home Lending has been helping homebuyers for over 20 years, with a focus on making homeownership a reality by putting people first and investing in the right technology. This is what we love to do! We truly believe that owning a home is one of the most important things we can help someone achieve

.

Our core belief is that our Certainty team members are our #1 asset. We never want to lose sight of the importance of our team members or of our core values: integrity, quality, teamwork, and customer service. We are here to ensure confidence.

We are part of the Guaranteed Rate family of companies. This gives us the unique opportunity to utilize some of the best resources and tech in the industry, yet provide localized services tailored to our customer’s needs. Being a part of this organization also provides us with the financial backing to remain stable and secure, even in uncertain of times. This gives the competitive advantage to offer our customers

• Confidence and peace-of-mind during their home financing journey
• A simplified and efficient mortgage process that puts them at the center of everything

We are currently seeking a hard-working, dedicated Non-QM Underwriter to join our innovative and passionate team.

Responsibilities:

• As an Underwriter you will be responsible for but not limited to the underwriting of residential loans ensuring compliance with appropriate company and investor standards
• A Mortgage Underwriter will be responsible for examining loan documentations for accuracy and completeness while working with loan originator or production staff to secure all required documents
• Mortgage Underwriters may be involved in one or several types of mortgage lending (conventional, government-backed, etc.)
• You may be required to work with more senior mortgage underwriters on loan exceptions having the authority to withdraw and decline loans
• You may also be required to respond directly to individual and investor audits
• Includes all levels of underwriting authority and exception levels

Qualifications:

• Non-QM Underwriting experience
• 5+ years of mortgage underwriting experience
• 5+ years of FHA/VA, Conventional, and USD/RD underwriting experience
• Experience with underwriting to multiple lender guidelines and requirements
• Knowledge of Non-QM Underwriting requirements. Including but not limited to full doc, DSCR, Bank statement loans, and other Alternative Loan Doc products
• Critically examine credit, income and asset documents and review title policy and appraisals

Additional Job Description Summary:

Certainty is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law.

The company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources).

Please click this link to learn more about our benefit offerings for Washington State: Benefit Offerings for Washington State