Applicant - Mortgage

About the role

The Mortgage Underwriter is responsible for analyzing, evaluating, and underwriting residential mortgage loan applications across Conventional and Non-Qualified Mortgage (Non-QM) programs, including Debt Service Coverage Ratio (DSCR) loans and alternative documentation products.

What you'll do

• Review and underwrite residential mortgage loan applications, including Conventional, Non-QM, and DSCR loan products
• Analyze borrower credit profiles, income, assets, employment history, financial stability, and collateral to determine loan eligibility and risk exposure
• Evaluate alternative documentation loan programs, including bank statement, asset depletion, ITIN, 1099, and P&L-only loans
• Calculate and assess Debt Service Coverage Ratios (DSCR) and perform complex income and risk analyses
• Ensure compliance with agency, investor, company, federal, and state lending guidelines, including Fannie Mae, Freddie Mac, ATR/QM, TRID, RESPA, TILA, HMDA, HOEPA

What you need

• 2–5 yrs of experience
• Underwriting
• Credit appraisal
• Compliance
• Risk management
• Loan processing
• Internal audit
• B.Com or BBA

Good to have

• Audit