NON-QM UNDERWRITING MANAGER na None

This role is Local In-Office or Hybrid

Job Title:       Non-QM Underwriting Manager

Department:  Operations          

FLSA Status: Exempt 

Summary 

The Non-QM Underwriting Manager oversees the underwriting team responsible for reviewing and approving Non-Qualified Mortgage (Non-QM) loans. This role ensures loans meet company guidelines, investor requirements, and regulatory standards while balancing risk management with production goals. The manager provides leadership, training, and quality oversight, ensuring operational efficiency and consistency across all underwriting functions.

Essential Duties & Responsibilities:

• Leadership & Team Management
  1. Supervise, mentor, and develop a team of Non-QM underwriters.
  2. Set clear performance expectations, monitor productivity, and conduct regular evaluations.
  3. Provide ongoing coaching to strengthen decision-making and guideline interpretation.
• Underwriting Oversight
  1. Review complex Non-QM loan files to ensure compliance with program guidelines.
  2. Maintain strong knowledge of alternative documentation, bank statement programs, asset utilization, DSCR, and other Non-QM product structures.
  3. Ensure consistent and accurate credit, income, and collateral analysis.
• Process & Quality Control
  1. Establish and enforce underwriting policies, procedures, and service-level standards.
  2. Partner with operations, sales, and compliance teams to streamline workflows.
  3. Monitor quality assurance results and implement corrective actions to reduce risk.
• Collaboration & Communication
  1. Work closely with production leaders and account executives to resolve loan-level challenges.
  2. Provide training and support to internal teams and external partners on Non-QM program nuances.
  3. Serve as a subject matter expert and escalation point for underwriting decisions.
• Regulatory & Risk Management
  1. Ensure adherence to federal, state, and investor regulations.
  2. Monitor industry changes and update guidelines and procedures accordingly.
  3. Identify and mitigate risks through proactive oversight and audit readiness.

Supervisory Responsibilities: None

Qualifications:         

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• 7+ years of mortgage underwriting experience, including 3–5 years in Non-QM underwriting.
• Minimum 2 years of leadership or management experience.
• Expert knowledge of Non-QM products, documentation alternatives, and regulatory requirements.
• Strong analytical skills with attention to detail and sound credit judgment.
• Effective leadership, communication, and decision-making skills.
• DE/SAR/LAPP designations (preferred but not always required).
• Bachelor’s degree in business, finance, or related field (preferred).

Competencies:            

To perform the job successfully, an individual should demonstrate the following competencies:

Problem Solving –Analytical, evaluative, and problem-solving. Identifies and resolve problems promptly; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics.

Detail Oriented – Keen attention to detail

Interpersonal Skills –Ability to set and manage priorities judiciously Maintains confidentiality; keeps emotions under control.

Oral Communication – Ability to present ideas in business-friendly and user-friendly language. Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; participates in meetings.

Written Communication – Writes clearly and informatively; edits work for spelling and grammar; presents numerical data effectively; able to read and interpret written information.

Teamwork – Ability to work in a team-oriented, collaborative environment. Contributes to building a positive team spirit.

Attendance/Punctuality – Is consistently at work and on time, ensures work responsibilities are covered when absent.

Dependability – Follows instructions, responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; complete tasks on time or notifies appropriate person with an alternate plan.

Initiative – Exceptionally self-motivated and directed. Volunteers readily; undertakes self-development activities; seeks increased responsibilities.

Innovation – Displays original thinking and creativity; generates suggestions for improving work.

Education & Experience:                  

• Commitment to company values, policies, and procedures.
 • Excellent interpersonal communication skills.
 • Customer Service – the ability to provide and maintain effective and positive communication.
 • Adaptability – an ability to quickly learn new or different techniques, products, and computer programs.
 • Problem Solving – an ability to effectively analyze and resolve problems at a functional level.
 • This person must live our culture every day! (Respect, Transparency, Scrappy)
 • Other duties as assigned.

Skills:

Language Skills: Ability to read and interpret documents and writes routine correspondence. Ability to speak effectively with customers/vendors or other employees.

Mathematical Skills: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent.

Reasoning Ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situation.

Computer Skills: Sound working knowledge of computer and office software operations and systems. 

Physical Demands: 

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to walk and stoop.

Work Environment: 

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

The noise level and temperature in the work environment is usually moderate.

This job description does not promise or imply that the functions listed are the only duties to be performed or that the position may not change or be eliminated.

The Company has reviewed this job description to ensure that essential functions and basic duties have been included. It is intended to provide guidelines for job expectations and the employee's ability to perform the position described. It is not intended to be construed as an exhaustive list of all functions, responsibilities, skills, and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate. This document does not represent a contract of employment, and the Company reserves the right to change this position description and/or assign tasks for the employee to perform, as the Company may deem appropriate.