Underwriter

BluePoint Mortgage • newport beach, ca, us • 5d ago

Qualifications

Recent Working knowledge of non-agency/Non-QM underwriting guidelines demonstrated through a minimum of 3+ years of underwriting experience on non-agency/Non-QM products
Experience of at least 3 years in manual underwriting of Jumbo loans, DSCR, and Bank Statements is required
High attention to detail and effective problem-solving skills
Ability to work independently, with minimal supervision
Ability to multitask in a high-volume environment
Excellent written and oral communication skills
Continuous focus on the customer experience

Benefits

Plus File Bonus
Dental, HSA, FSA, Medical, Vision
PTO

Responsibilities

This role will be responsible for managing the full underwriting process from initial loan sizing through loan closing while ensuring loans comply with company underwriting guidelines and risk tolerance
Working under tight deadlines, the Non-QM Underwriter must effectively communicate with internal and external customers to efficiently vet and progress transactions while ensuring all deal risks are fully evaluated and mitigated
Excellent communication skills and attention to detail are critical to the role
Be the primary point of contact as subject matter expert (SME) assisting salesforce and business partners in structuring eligible loans in conjunction with the Company’s third-party originators
Interpret and provide appropriate loan solutions for Non-QM/Non-Agency loan requests
Analyze borrower’s credit file, collateral, and capacity to ensure credit-worthiness
Perform manual underwriting review to ensure the loan meets all product and property guidelines of the Company and investors, as well as compliance with corporate and secondary market investor standards
Underwrite Non-Agency/Non-QM wholesale/broker loans in a timely manner to ensure the loan meets all product and property guidelines of the Company and investors, as well as meeting all established loan policies, credit limits, and regulatory requirements
Clear conditions timely on loans; affirm data integrity on all submissions
Identify potential misrepresentation or fraud
Keep up-to-date with all guideline changes and system enhancements

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