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Underwriter II, Non-QM

Wheeler Staffing Partners

Mount Laurel, NJ(remote)

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JOB DETAILS
SKILLS
Analysis Skills, Business Analysis, Communication Skills, Documentation, Funding, Income Tax, Loan Documents, Loan Origination, Loan Restructuring, Loan Review, Loan Underwriting, Loans, Maintain Compliance, Mortgage, Mortgage Lending, Multitasking, Operational Support, Presentation/Verbal Skills, Production Systems, Production Volume, Quality Management, Quality Metrics, Regulatory Requirements, Residential Mortgages, Sales Pipeline, Support Documentation, Tax Returns, Underwriting, Writing Skills
LOCATION
Mount Laurel, NJ
POSTED
1 day ago

Non-QM Mortgage Underwriter
Location: Remote, USA
Employment Type: Full-Time
Salary: $85,000 – $90,000 annually + Overtime Eligibility + Bonus Structure Based on Loan Volume

Position Overview

Wheeler Staffing Partners is seeking an experienced Non-QM Mortgage Underwriter for a fully remote opportunity supporting residential mortgage underwriting operations nationwide. This role is responsible for underwriting Non-QM loan files while ensuring compliance with investor, agency, and internal underwriting guidelines.

The ideal candidate will have recent Non-QM underwriting experience, strong analytical skills, current experience using Encompass, and the ability to manage a consistent underwriting pipeline in a fast-paced production environment.

Key Responsibilities

Responsibilities include reviewing residential mortgage loan files for completeness, accuracy, and compliance with investor and internal underwriting guidelines. The Underwriter will evaluate credit packages, appraisals, income documentation, title commitments, and supporting loan documentation while ensuring all conditions are satisfied prior to closing.

Additional responsibilities include:

  • Reviewing and analyzing personal and business tax returns for income qualification

  • Communicating underwriting decisions and conditions verbally and in writing

  • Identifying inconsistencies, red flags, or potential fraud indicators within loan files

  • Working with Loan Originators to restructure loans into salable packages when necessary

  • Partnering with Processing and Closing teams to ensure underwriting conditions are met prior to funding

  • Communicating with investors and agencies to resolve underwriting questions or guideline clarifications

  • Managing daily underwriting pipeline volume while maintaining production and quality standards

  • Remaining current on investor overlays, agency guidelines, and regulatory requirements

  • Supporting underwriting operations within a paperless workflow environment

Required Qualifications

  • Minimum of 2 years of recent Non-QM underwriting experience required

  • Current hands-on experience using Encompass required

  • Minimum of 5 years of overall mortgage underwriting experience preferred

  • Strong knowledge of Non-QM loan products and underwriting guidelines

  • Experience underwriting loan amounts typically ranging from $150,000 – $600,000

  • Strong understanding of investor and agency underwriting guidelines

  • Experience reviewing personal and business tax returns for income analysis

  • Experience reviewing appraisals, title commitments, and supporting credit documentation

  • Ability to identify inconsistencies and potential fraud indicators within loan files

  • Experience working within a paperless underwriting environment

  • Strong written and verbal communication skills

  • Ability to manage multiple priorities and maintain production expectations in a high-volume environment

  • Must be authorized to work in the United States

Preferred Qualifications

  • Prior full-time remote underwriting experience preferred

  • Experience supporting high-growth mortgage operations environments

  • Strong collaboration skills when partnering with processors, closers, and loan originators

  • Candidates located within EST or CST time zones preferred

Work Environment

This is a fully remote opportunity open to candidates located anywhere in the United States, with preference given to candidates located within Eastern or Central time zones. The environment is fast-paced, production-driven, and focused on maintaining quality underwriting standards while supporting high loan volume.

Employees are eligible for overtime pay and performance-based bonus opportunities tied to loan volume.

Why Work with Wheeler Staffing Partners

Wheeler Staffing Partners connects top talent with outstanding career opportunities across a variety of industries. We are committed to providing a professional, supportive experience for both candidates and clients while helping professionals grow their careers with leading organizations.

About the Company

W

Wheeler Staffing Partners

Wheeler Staffing Partners' (WSP) has outstanding client relationships providing consultants with access to some of the most desirable employment opportunities across the nation. Our experience, the solutions we provide, our business processes, and partnerships with our consultants and clients has made the company one of the most sought after placement firms for job seekers and companies of all sizes. WSP, provides all candidates with career opportunities, skill assessments, and interview consulting services and our clients with the candidates that meet their culture and skill set. From our Executive Retained Search Teams, Direct Hire and Contract Staffing Professionals to our RPO Service offerings, we create models to deliver a world-class service, with a sense of urgency and professionalism at the best price. Let us put our expertise and services to work for you!

COMPANY SIZE
50 to 99 employees
INDUSTRY
Staffing/Employment Agencies
FOUNDED
2014
WEBSITE
http://wheelersp.com/

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