Senior Non-QM Underwriter
Kind Lending | NMLS #3925, Irvine, CA, United States
The Team
At Kind Lending, our family of diverse and talented Kind Ambassadors is the driving force behind our new approach to the mortgage experience. They are the heart and soul of the organization, and our "People Before Profits" mentality shines through in every department.
Kind Lending is growing and is looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset. The company is determined to provide the best service in the industry while also giving homebuyers a great selection of products to enhance their buying experience. Backed by a trusted leadership team, Kind Lending's friendly and professional model puts the “fun” in funding.
Position Summary The Sr. Underwriter is responsible for underwriting DSCR, Bank Statement, Asset Utilization, P&L, and Full Doc transactions. This role involves evaluating loan applications, making credit decisions, and working with loan officers, brokers, and internal operations staff to make solid credit decisions and provide excellent customer service to internal and external customers. The Sr. Non‑QM Underwriter ensures that loan decisions are made in compliance with internal policies and guidelines, agency guidelines, and regulatory standards while mitigating risk and optimizing the borrower’s experience.
Responsibilities
Underwrite Non‑QM loans
Review multiple product types: DSCR, Bank Statement, Asset Utilization, Foreign National, P&L, 1099 loans.
Perform Bank Statement calculation (manual and automated)
Maintain company SLA (service level agreements)
Communicate with Mortgage Loan Originators, Brokers, and Operations staff to ensure high level of customer service
Adhere to all company policies and procedures
Maintain acceptable QC rating with minimal findings
Complete tasks assigned by management
Experience
5+ years of mortgage underwriting experience with at least 2–3 years in Non‑QM lending
Strong knowledge of all Non‑QM products
Proficient with Word, Outlook, PowerPoint, Excel, and multiple LOS (Blue Sage preferred)
Skills
Ability to work well in a fast‑paced environment with high volume
Strong analytical and decision‑making abilities
Proficient in mortgage lending software and underwriting platforms
Thorough understanding of regulatory and compliance requirements
Excellent communication and interpersonal skills
Location Fully remote or in‑office/hybrid schedule available.
Pay Disclosure The starting base salary pay range for this position is $95,000 – $115,000. The actual base is dependent on many factors such as experience, business needs, market demands, and other compensation components. The base pay range is subject to change and may be modified in the future.
Work Authorization Must be able to verify identity and employment eligibility to work in the U.S. without visa sponsorship.
Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Must be able to lift up to ten pounds; required to do routine office motions and minor lifting. Reasonable accommodations may be provided for disabilities.
Equal Opportunity Kind Lending is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to race, religion, creed, color, orientation, gender, age, national origin, veteran status, disability status, marital status, sexual orientation, gender identity, or gender expression.
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Kind Lending is growing and is looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset. The company is determined to provide the best service in the industry while also giving homebuyers a great selection of products to enhance their buying experience. Backed by a trusted leadership team, Kind Lending's friendly and professional model puts the “fun” in funding.
Position Summary The Sr. Underwriter is responsible for underwriting DSCR, Bank Statement, Asset Utilization, P&L, and Full Doc transactions. This role involves evaluating loan applications, making credit decisions, and working with loan officers, brokers, and internal operations staff to make solid credit decisions and provide excellent customer service to internal and external customers. The Sr. Non‑QM Underwriter ensures that loan decisions are made in compliance with internal policies and guidelines, agency guidelines, and regulatory standards while mitigating risk and optimizing the borrower’s experience.
Responsibilities
Underwrite Non‑QM loans
Review multiple product types: DSCR, Bank Statement, Asset Utilization, Foreign National, P&L, 1099 loans.
Perform Bank Statement calculation (manual and automated)
Maintain company SLA (service level agreements)
Communicate with Mortgage Loan Originators, Brokers, and Operations staff to ensure high level of customer service
Adhere to all company policies and procedures
Maintain acceptable QC rating with minimal findings
Complete tasks assigned by management
Experience
5+ years of mortgage underwriting experience with at least 2–3 years in Non‑QM lending
Strong knowledge of all Non‑QM products
Proficient with Word, Outlook, PowerPoint, Excel, and multiple LOS (Blue Sage preferred)
Skills
Ability to work well in a fast‑paced environment with high volume
Strong analytical and decision‑making abilities
Proficient in mortgage lending software and underwriting platforms
Thorough understanding of regulatory and compliance requirements
Excellent communication and interpersonal skills
Location Fully remote or in‑office/hybrid schedule available.
Pay Disclosure The starting base salary pay range for this position is $95,000 – $115,000. The actual base is dependent on many factors such as experience, business needs, market demands, and other compensation components. The base pay range is subject to change and may be modified in the future.
Work Authorization Must be able to verify identity and employment eligibility to work in the U.S. without visa sponsorship.
Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Must be able to lift up to ten pounds; required to do routine office motions and minor lifting. Reasonable accommodations may be provided for disabilities.
Equal Opportunity Kind Lending is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to race, religion, creed, color, orientation, gender, age, national origin, veteran status, disability status, marital status, sexual orientation, gender identity, or gender expression.
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