Non-QM Mortgage Underwriter (East Coast)

CMG Financial

1d•$90,000 - $105,000•Onsite

About The Position

CMG Home Loans is seeking experienced Non-QM Underwriters to support our Eastern and Central Time Zone branches. This role is responsible for evaluating and underwriting complex mortgage loan applications in accordance with company policies, investor guidelines, and regulatory requirements. The Underwriter plays a critical role in making sound credit decisions that protect the financial and operational interests of the company. We are only considering candidates with recent, hands-on Non-QM underwriting experience within the last 12–24 months.

Requirements

Minimum of five (5) years of manual mortgage underwriting experience.
Recent Non-QM underwriting experience within the last 12–24 months is required.
Demonstrated proficiency with Desktop Underwriter (DU) and Loan Product Advisor (LP).
Ability to accurately interpret DU and LP findings and clearly communicate and document underwriting decisions.
Intermediate proficiency with Microsoft Word, Excel, and Outlook.
Ability to thrive in a fast-paced, high-volume environment.
Strong communication, interpersonal, analytical, and organizational skills.
High level of integrity, professionalism, and confidentiality.
Self-motivated, dependable, and able to manage priorities while meeting established deadlines.
Strong critical thinking, problem-solving, and decision-making abilities.

Nice To Haves

Experience underwriting Jumbo and Portfolio loan products preferred.

Responsibilities

Underwrite complex Non-QM loan files in accordance with multiple investor guidelines.
Underwrite Non-QM, Jumbo, Portfolio, and other manually underwritten loan products.
Analyze borrower creditworthiness, income, assets, collateral, and overall loan eligibility.
Communicate regularly with Processors and Loan Officers regarding loan status, conditions, and underwriting decisions using current technology platforms.
Review and re-evaluate loan files as conditions are cleared and new information is received while maintaining file integrity and workflow priorities.
Maintain a current working knowledge of loan products, investor guidelines, and underwriting requirements.
Document loan decisions and maintain detailed conversation logs in BYTE to accurately track file progression.
Support training and knowledge-sharing initiatives for other mortgage operations team members as needed.
Assist with ad hoc reporting and special projects.
Perform other duties as assigned.