Remote Mortgage Underwriter – Non-QM/FHA

Our client is seeking an experienced Mortgage Underwriter with recent Non-QM underwriting experience to join its remote team. This position will be responsible for reviewing and underwriting residential mortgage loans while ensuring each file meets applicable investor, agency, regulatory, and internal credit guidelines.

The ideal candidate is currently underwriting within Encompass, has strong Non-QM experience, and holds an FHA DE or VA underwriting certification.

Responsibilities

• Review and underwrite residential mortgage loan files for creditworthiness, accuracy, and guideline compliance
• Underwrite Non-QM and government loan products
• Analyze income, assets, credit, collateral, and overall borrower risk
• Review complex income scenarios, including self-employed borrowers, bank statement loans, asset-based qualification, and other alternative documentation programs
• Issue clear and accurate loan decisions, conditions, suspensions, and denials
• Ensure loans meet investor, agency, regulatory, and internal underwriting guidelines
• Communicate effectively with processors, loan officers, account executives, and other members of the operations team
• Maintain established productivity, quality, and turn-time standards
• Keep current with changing underwriting guidelines and compliance requirements

Qualifications

• Minimum of 2 years of recent Non-QM mortgage underwriting experience
• Current experience working within Encompass
• FHA DE certification or applicable VA underwriting certification required
• Strong knowledge of mortgage credit, income, asset, and collateral analysis
• Experience reviewing complex and alternative income documentation
• Ability to interpret investor and agency guidelines and apply sound underwriting judgment
• Strong attention to detail, organizational skills, and written communication
• Ability to work independently in a remote environment
• Must be legally authorized to work in the United States

Compensation

• Salary up to $105,000, depending on experience
• Full-time, remote position