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Underwriter Mortgage Management Consultants - 1.0 Glendale, CA Job Details 1 hour ago Qualifications Income verification Title document review Credit risk assessment Appraisal review Consumer lending analysis in risk and credit Data interpretation Credit report review Collateral evaluation (loan underwriting) Manual underwriting Credit report analysis Loan Origination Systems (LOS)

Full Job Description Description:

Review and underwrite Non-QM loan applications in accordance with SKY TPO's underwriting guidelines and investor requirements Analyze borrower creditworthiness, income, assets, liabilities, credit history, and overall financial profile Evaluate Non-QM income documentation, including bank statements, business income, asset depletion, and other alternative documentation Review appraisals, title, insurance, credit reports, and other supporting documentation to assess overall loan risk Make sound and consistent underwriting decisions while balancing credit risk and business objectives Issue clear and accurate underwriting decisions, conditions, approvals, and denials in accordance with established guidelines Communicate underwriting decisions and conditions clearly to Account Managers, brokers, processors, and other internal teams Review submitted documentation and conditions promptly to maintain established underwriting turn-time expectations Analyze complex loan scenarios and provide guidance on structuring loans within SKY TPO's Non-QM guidelines Collaborate with Account Managers, Operations, Closing, Credit, and other internal teams to resolve loan-level issues and keep transactions moving efficiently Identify potential credit, compliance, documentation, or eligibility issues and escalate when appropriate Maintain a strong understanding of SKY TPO's Non-QM products, underwriting guidelines, overlays, and competitive positioning Stay current on changes to Non-QM guidelines, investor requirements, regulatory requirements, and industry practices Maintain accurate underwriting notes and documentation within the loan file Ensure all underwriting activities meet company, investor, and regulatory compliance standards Represent SKY TPO with professionalism, sound judgment, responsiveness, and strong Non-QM product knowledge

Requirements:

3-5 years of experience as a Mortgage Underwriter, preferably within the wholesale mortgage industry Strong Non-QM underwriting experience required or strongly preferred Strong understanding of Non-QM loan products, underwriting guidelines, credit risk, income analysis, and loan documentation Experience underwriting bank statement, DSCR, asset depletion, investor, and other alternative documentation loan programs preferred Strong knowledge of credit reports, income documentation, assets, liabilities, appraisals, title, and other mortgage underwriting requirements Excellent analytical, problem-solving, and decision-making skills Strong attention to detail with the ability to identify risks and inconsistencies within complex loan files Excellent written and verbal communication skills Ability to manage a high-volume pipeline while meeting established underwriting turn-time expectations Proficiency with mortgage lending systems, LOS platforms, and other business technology Ability to work effectively with Account Managers, Brokers, Operations, Closing, Credit, and other internal teams Self-motivated, organized, and able to work independently while contributing to a collaborative team environment