Non-QM Underwriter

Acrisure Mortgage LLC•Orlando, FL

23h•Remote

About The Position

Acrisure Mortgage is looking for an experienced Non-QM Underwriter to join our growing team. We are seeking a detail-oriented mortgage professional with strong credit analysis skills and extensive experience underwriting complex Non-QM loan products. If you thrive in a fast-paced production environment and are passionate about making sound credit decisions while delivering exceptional service, we'd love to hear from you!

Requirements

Minimum of 2 years of recent Non-QM underwriting experience.
Experience independently underwriting Non-QM mortgage loans with delegated authority preferred.
Strong knowledge of alternative documentation lending programs.
Extensive experience reviewing self-employed borrower income and complex financial documentation.
Ability to analyze and interpret multiple investor guidelines.
Excellent analytical, organizational, and decision-making skills.
Strong communication skills with the ability to clearly explain underwriting decisions.
Ability to work efficiently in a deadline-driven production environment.

Nice To Haves

Experience underwriting Bank Statement loans
Experience underwriting DSCR (Debt Service Coverage Ratio) loans
Experience underwriting Asset Depletion loans
Experience underwriting P&L Only loans
Experience underwriting Interest Only loans
Experience underwriting Jumbo loans
Experience underwriting Foreign National loans
Experience underwriting ITIN loans
Experience underwriting 1099 Income loans
Experience using Encompass or a similar Loan Origination System.
Ability to underwrite approximately 25–35+ loans per month, depending on complexity.
Consistent history of meeting production, quality, and turnaround expectations.
Experience maintaining strong audit results and low defect rates.
Comfortable working remotely in a production-based underwriting environment.

Responsibilities

Independently review and underwrite Non-QM mortgage loan applications.
Evaluate borrower credit, income, assets, collateral, and overall loan eligibility.
Analyze complex income documentation, including self-employed borrowers, business tax returns, bank statements, asset depletion, rental income, K-1s, and other alternative income sources.
Issue underwriting decisions, including approvals, conditions, suspensions, and denials, in accordance with company and investor guidelines.
Ensure loans meet all applicable regulatory, compliance, and investor requirements.
Maintain established underwriting turn times while managing a high-volume pipeline.
Communicate underwriting decisions clearly and professionally with Loan Officers, Processors, and Operations teams.
Assist with loan scenarios and provide guidance on complex transactions when needed.
Maintain high quality standards by minimizing revisions, suspense conditions, and post-closing findings.
Stay current on Non-QM products, underwriting guidelines, and industry regulations.