Non-QM Credit Risk Underwriter

• Review and analyze credit applications, financial statements, and credit reports to determine borrower risk profiles.
• Assess risk related to income, assets, collateral, and credit history across various lending products.
• Apply internal credit risk policies and investor guidelines to underwrite loan applications with accuracy and consistency.
• Collaborate with Account Executives and Account Managers to gather documentation and clarify broker scenarios.
• Make credit decisions and issue conditional loan approvals, suspensions, or denials with clear rationale.
• Identify and escalate high-risk files or exceptions for further review or senior credit approval.
• Contribute to credit risk reporting and performance monitoring by documenting findings and trends.
• Stay current on credit risk management best practices, industry trends, and regulatory updates.
• Support audits, quality control reviews, and internal policy updates as needed.
• Maintain turnaround time targets while delivering high-quality credit decisions.

• Review loans for second level review that have been recommended for denial. 

• Complete PFQC on loans in process to ensure quality.

• 3+ years of experience in credit risk underwriting within consumer or mortgage lending.
• Strong understanding of credit analysis, income documentation, debt-to-income calculations, and collateral evaluation.
• Familiarity with credit risk frameworks, regulatory guidelines (e.g., Dodd-Frank, ECOA), and investor requirements.
• Experience with underwriting tools and loan origination systems (LOS), such as Encompass, Meridian Link, or similar platforms.
• Proven ability to make sound risk-based decisions with strong attention to detail.
• Excellent written and verbal communication skills, with the ability to clearly articulate credit decisions.
• Ability to thrive in a fast-paced environment and manage competing priorities.
• Commitment to responsible lending, regulatory compliance, and operational excellence.