Senior Credit Underwriter
New
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World Business Lenders, LLCNon-QM Mortgage Lending
Guatemala City, Guatemala, Guatemala. San José, San José Province, Costa Rica. Brasília, Brasília, Brazil. Ankara, Ankara, Turkey. Islamabad, Islamabad Capital Territory, Pakistan. New York, New York, United States, 9:00 AM – 6:00 PM Eastern Standard Time, Monday through FridayContractSenior
Salary75,000 - 100,000 USD per year
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Job Details
- Languages
- English
- Experience
- 10+ years of progressive underwriting experience in non-QM mortgage lending.
- Required Skills
- Microsoft ExcelFinancial analysis
Requirements
- 10+ years of progressive underwriting experience in Non-QM residential mortgage lending.
- Proven expertise in credit analysis, risk assessment, and loan structuring.
- Strong knowledge of Non-QM loan products (DSCR, Bank Statement, Asset Depletion, Foreign National, ITIN).
- Experience interpreting credit policies and mortgage regulations (ATR/QM, TRID, RESPA, TILA).
- Ability to analyze tax returns, business financials, bank statements, P&Ls, and asset documentation.
- Experience reviewing appraisals, BPOs, title reports, and LTV/CLTV calculations.
- Advanced proficiency in Excel.
- Hands-on experience with Loan Origination Systems (LOS) like Encompass, Byte, or LendingPad.
- Stable, reliable internet connection and professional remote working setup.
- Ability to work Monday through Friday, 9:00 AM – 6:00 PM EST.
- Bachelor's, Associate's, or equivalent degree.
- Fluent in English with ability to submit CV in English.
Responsibilities
- Act as the Chief Lending Officer's 'right hand' trusted advisor.
- Perform early credit assessments ('shift-left') before processing is complete.
- Rework denied loans into approvable structures where possible.
- Recommend counteroffers that reduce risk while preserving profitability.
- Identify compensating factors to strengthen borderline files.
- Consult with Sales on structuring loans before submission.
- Participate in daily pipeline review meetings.
- Assist in developing underwriting guidelines and SOPs.
- Analyze trends in denials and fallout to recommend policy or process changes.
- Support automation efforts by documenting underwriting decision logic.
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