Job Description

Underwriter III

The Underwriter III is responsible for underwriting complex Non-QM and DSCR investor loans, exercising advanced independent judgment, and approving guideline exceptions when appropriate. In addition to managing a personal pipeline, this role provides guidance and support to other underwriters and helps ensure consistency, compliance, and excellence across the underwriting function.

What You'll Do

• Manage a pipeline of complex loan files, reviewing documentation to determine borrower eligibility and mitigate fraud risk
• Independently complete underwriting decisions in accordance with company standards, investor guidelines, and regulatory requirements
• Evaluate and document Enhanced Review requests, including clearly articulated rationale for approved exceptions
• Serve as a subject matter expert on underwriting guidelines, SOPs, and investor requirements
• Provide guidance, technical support, and mentorship to underwriting team members
• Ensure loans meet compliance standards and are marketable for investors
• Evaluate borrower creditworthiness, collateral, and repayment capacity
• Confirm all lending conditions are satisfied prior to closing
• Maintain acceptable turnaround times and SLAs while managing complex files
• Deliver exceptional customer service to internal teams and external partners
• Collaborate cross-functionally to improve workflows, efficiency, and loan quality
• Perform other duties as assigned based on business needs
• Authorized Remote Locations: AL, AR, AZ, FL, GA, IL, IN, KS, KY, LA, NC, SC, TX, UT
• Work Schedule: Monday - Friday: 8:30 am - 5:30 pm CST
• Salary Range: $38.85 - $53.02/hr (Non-Exempt/Hourly/Overtime Eligible)

What We Are Looking For:

• 5+ years of mortgage underwriting experience, with deep expertise in Non-QM loans
• Advanced manual underwriting skills and independent decision-making ability
• Proven ability to manage time-sensitive, high-complexity loan files
• Strong initiative, reliability, and commitment to quality and team success
• Technology-savvy with experience working across multiple underwriting systems
• Excellent written and verbal communication skills
• Completion of all required training by designated deadlines
• High School Diploma or GED required
• Internal Applicants: Must meet minimum qualifications and have no recent disciplinary actions

What We Prefer to Find:

• Someone with experience with Non-QM Loans
• Someone with experience with underwriting DSCR loans
• Someone with an Associate and/or bachelor's degree in business or a related industry area major
• Someone with experience with Calyx Point and SalesForce

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