Non-QM Underwriter
Z Loans Funding, Las Vegas, NV, United States
Z Loans is seeking an experienced Wholesale
Non-QM Underwriter
to join our growing team. This role is responsible for evaluating complex mortgage loan files and making credit decisions across a wide range of products. The ideal candidate brings strong expertise in a wholesale environment, manual underwriting and thrives in a fast-paced environment working with non-traditional borrower scenarios. Responsibilities Underwrite Non-QM and Non-Agency mortgage loans from initial review through final decision Analyze borrower credit, income, assets, and collateral to determine overall risk and eligibility Evaluate non-traditional income sources, including bank statements, 1099s, profit & loss statements, DSCR, WVOE, and asset utilization Ensure loans meet internal guidelines as well as investor requirements Issue clear, well-documented credit decisions, including conditions, suspensions, and denials Reassess and update loan decisions as additional documentation is received Utilize AUS (DU/LP) and LOS platforms to review and validate loan data Review third-party reports such as appraisals, title, and fraud tools to identify potential risks Partner with account executives and brokers to help structure eligible loan scenarios Maintain strong pipeline management while meeting turnaround time expectations Assist with post-closing conditions or escalations as needed Ensure all files are complete, accurate, and compliant with ATR/QM standards where applicable Qualifications Minimum 5 years of recent wholesale underwriting experience focused on Non-QM and Non-Agency mortgage loans Strong background in manual underwriting and complex credit analysis Hands-on experience with DSCR, bank statement, P&L, 1099, WVOE, and asset-based lending programs Proficiency with AUS systems (DU/LP) and common LOS platforms Experience with MeridianLink or LendingQB Strong ability to interpret detailed financial documents and assess risk Familiarity with fraud detection tools and title review Excellent communication and decision-making skills Highly organized with the ability to manage multiple loans simultaneously
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Non-QM Underwriter
to join our growing team. This role is responsible for evaluating complex mortgage loan files and making credit decisions across a wide range of products. The ideal candidate brings strong expertise in a wholesale environment, manual underwriting and thrives in a fast-paced environment working with non-traditional borrower scenarios. Responsibilities Underwrite Non-QM and Non-Agency mortgage loans from initial review through final decision Analyze borrower credit, income, assets, and collateral to determine overall risk and eligibility Evaluate non-traditional income sources, including bank statements, 1099s, profit & loss statements, DSCR, WVOE, and asset utilization Ensure loans meet internal guidelines as well as investor requirements Issue clear, well-documented credit decisions, including conditions, suspensions, and denials Reassess and update loan decisions as additional documentation is received Utilize AUS (DU/LP) and LOS platforms to review and validate loan data Review third-party reports such as appraisals, title, and fraud tools to identify potential risks Partner with account executives and brokers to help structure eligible loan scenarios Maintain strong pipeline management while meeting turnaround time expectations Assist with post-closing conditions or escalations as needed Ensure all files are complete, accurate, and compliant with ATR/QM standards where applicable Qualifications Minimum 5 years of recent wholesale underwriting experience focused on Non-QM and Non-Agency mortgage loans Strong background in manual underwriting and complex credit analysis Hands-on experience with DSCR, bank statement, P&L, 1099, WVOE, and asset-based lending programs Proficiency with AUS systems (DU/LP) and common LOS platforms Experience with MeridianLink or LendingQB Strong ability to interpret detailed financial documents and assess risk Familiarity with fraud detection tools and title review Excellent communication and decision-making skills Highly organized with the ability to manage multiple loans simultaneously
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