Mortgage Underwriter

Lendz Financial

2d•Remote

About The Position

Lendz Financial is seeking a motivated, detail-oriented Non-QM Underwriter to join its growing operations team. The role is suited to an underwriter with a strong foundation in mortgage credit who wants to deepen their Non-QM expertise and grow in a supportive, high-accountability environment. The underwriter will evaluate complex residential mortgage loan files across programs including Bank Statement, DSCR, Asset Utilization, and 1099 income, and work closely with Sales, Account Managers, and Operations to provide well-supported decisions. This is a fully remote position with clear performance expectations, ongoing coaching, and opportunities for professional growth. Lendz Financial operates a direct wholesale residential mortgage lending platform focused on supporting mortgage brokers with simplified processes, intuitive technology, competitive rates, a diverse Non-QM product suite, and fast turnaround times. The company describes its culture as collaborative and high-performance, guided by the values Thrive Together, Act Like an Owner, and Exceed Expectations.

Requirements

2–5 years of mortgage underwriting experience, including exposure to Non-QM or alternative documentation loans.
Working knowledge of Non-QM products such as Bank Statement programs, DSCR, Asset Utilization, and 1099 income.
Strong analytical skills and the ability to evaluate complex borrower profiles.
Clear, professional written and verbal communication skills.
Strong time management skills and the ability to prioritize in a fast-paced environment.
Sound judgment, attention to detail, and a high level of accountability.

Nice To Haves

A coachable mindset and desire to learn, grow, and evolve within the role.

Responsibilities

Underwrite residential mortgage loan applications in compliance with company, investor, and regulatory guidelines.
Analyze borrower credit, assets, and income, including complex scenarios involving self-employed borrowers, 1099 income, Bank Statement programs, and asset depletion or utilization.
Review and evaluate personal and business documentation, including 12- and 24-month bank statements, profit and loss statements, and cash flow statements.
Maintain an underwriting pipeline that meets established SLAs and productivity benchmarks.
Deliver clear, well-documented underwriting decisions and conditions aligned with program guidelines.
Provide written justification for loan decisions and required conditions.
Partner with Loan Officers, Account Managers, and Operations to resolve file-level questions and move loans efficiently toward closing.
Support quality control standards, including a pre-closing defect rate below 10% and a post-closing defect rate below 5%.
Stay current on Non-QM guideline updates, investor overlays, and regulatory requirements.
Contribute to a collaborative team environment focused on continuous improvement and shared success.