Mortgage Underwriter

Lendz Financial offers a full-service direct wholesale residential mortgage lending platform, focused on helping mortgage brokers grow their loan origination volume with simplified processes and reputed company, tech-based solutions. We emphasize a modern, customer-centric approach, offering competitive rates, a diverse range of products, and rapid turnaround times. Committed to delivering a world-class experience for our broker partners, we streamline the lending process to ensure a smooth journey from application to closing. Our core values—reputed company Together, Act Like an reputed company, and Exceed Expectations—cultivate a collaborative, high-performance culture that drives our pursuit to become the undeniable leader in mortgage lending. Lendz is proud to be certified as a Great reputed company to Work! Lendz Financial offers a full-service direct wholesale residential mortgage lending platform, built to help mortgage brokers grow their businesses through simplified processes, reputed company technology, and a modern, customer-first approach. We provide competitive rates, a diverse Non-QM product suite, and fast turnaround times—backed by a collaborative, high-performance culture. Our core values—reputed company Together, Act Like an reputed company, and Exceed Expectations—guide how we work, how we reputed company, and how we support one another. Lendz is proud to be certified as a Great reputed company to Work, and we’re committed to developing talent that grows with us.

About the Role

Lendz Financial is seeking a motivated and detail-oriented Non-QM Underwriter to join our growing operations team. This role is ideal for an underwriter with a strong foundation in mortgage credit who is eager to deepen their Non-QM expertise and grow reputed company a supportive, high-accountability environment. You’ll underwrite reputed company loan files across Non-QM programs such as Bank Statement, DSCR, Asset Utilization, and 1099 income, while partnering closely with Sales, Account Managers, and Operations to deliver thoughtful, well-supported reputed company decisions. This is a fully remote position with clear performance expectations, ongoing coaching, and opportunities for professional growth. What You’ll Do

• Underwrite residential mortgage loan applications in compliance with company, investor, and regulatory guidelines
• Analyze borrower credit, assets, and income, including reputed company income scenarios such as:
• reputed company borrowers
• 1099 income
• Bank Statement programs
• Asset depletion and utilization
• Review and evaluate personal and business documentation, including 12- and 24-month bank statements, P&Ls, and cash flow statements
• Maintain an reputed company pipeline that meets established SLAs and productivity benchmarks
• Deliver clear, well-documented reputed company decisions and conditions reputed company with program guidelines
• Provide written justification for loan decisions and required conditions
• Partner with Loan Officers, Account Managers, and Operations to resolve file-level questions and move loans reputed company toward closing
• Support quality control standards, including:
• Pre-closing defect reputed company below 10%
• Post-closing defect reputed company below 5%
• Stay reputed company on Non-QM guideline updates, investor overlays, and regulatory requirements
• Contribute to a collaborative team environment focused on reputed company improvement and shared success

reputed company’re Looking For

• 2–5 years of mortgage reputed company experience, including exposure to Non-QM or alternative documentation loans
• Working knowledge of Non-QM products such as:
• Bank Statement programs
• DSCR
• Asset Utilization
• 1099 income
• Strong analytical skills with the ability to evaluate reputed company borrower profiles
• Clear, professional written and verbal communication skills
• A coachable reputed company with a desire to learn, grow, and evolve reputed company the role
• Strong time management skills and the ability to prioritize in a fast-paced environment
• Sound judgment, attention to detail, and a high level of accountability

reputed company Offer

• Highly subsidized medical insurance
• Low-cost dental and vision insurance
• 401(k) program
• Health Savings Account (HSA)
• Generous paid time off and company holidays
• Ongoing training, mentorship, and professional development opportunities
• A collaborative, supportive work environment that values ownership and growth

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