5.0 - 7.0 years

15 - 17 Lacs

Bengaluru

Work from Office

We are seeking a skilled and detail-oriented Non-QM Loan Underwriter to join our team supporting U.S.-based lenders. The role involves the manual underwriting of Non-Qualified Mortgage (Non-QM) loan files, requiring in-depth analysis of complex borrower profiles, alternative income documentation, and investor-specific guidelines. The ideal candidate will bring a strong understanding of non-QM programs, risk assessment, and credit evaluation, while working in close coordination with onshore stakeholders. Key Responsibilities: Manually underwrite Non-QM loan files by evaluating full income, asset, credit, and collateral documentation. Analyze alternative income types such as bank statements, P&L statements, 1099s, DSCR, and asset depletion. Review files for completeness, accuracy, and eligibility based on lender-specific Non-QM guidelines and overlays. Required: 3-5 years of U.S. mortgage underwriting experience with at least 12 years in Non-QM. In-depth knowledge of Non-QM programs including Bank Statement, DSCR, 1099, CPA/P&L, and Asset Utilization loans.

Posted 1 month ago

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