Non-QM Underwriter

About Onetrust Home Loans If you are looking for an organization that has established an outstanding reputation for quality products and services and where you are an important member of a professional team, then OneTrust Home Loans may be for you. We are recognized as a Fortune 5000 company offering conventional, FHA, VA, USDA, and jumbo financing, while boasting portfolio, construction, and structure finance lending divisions. Our focus on utilizing the latest technology to streamline the home loan process has made us a leader in our space. We really listen to our clients in order to anticipate their home financing goals and dreams. We're mortgage educators and financing strategists, providing detailed information and sound advice on mortgage options and industry trends. We focus our energies on a transparent and open communication loan process to close loans quickly. If our employees are successful, we are successful. Our goal is to provide them with the most current competitive tools and information possible. Employees and management listen, engage, and provide honest feedback to each other. Those who make outstanding contributions are recognized for their outstanding customer service and are eligible for key programs. In order to hire and retain employees who share our values of integrity, transparency, innovation, and greatness, we offer attractive employment packages , work-life balance , a wide range of training opportunities , and an innovative and exciting business culture . Service is everything! Position Summary Evaluate all aspects of loan applications that fall outside traditional agency guidelines. Determine eligibility based on loan type, investor guidelines and company policies while balancing risk and compliance. Essential Duties And Responsibilities Review and analyze all components of a non-QM mortgage loan file, including credit reports, income documentation, title and appraisal to determine loan eligibility and risk. Ensure the highest level of compliance, appraisal analysis and fraud mitigation. Sign off on conditions in a timely manner set by management and work within specified Service Level Agreements ("SLAs") Maintain current knowledge of current Non-QM lending products, underwriting trends, and regulatory changes. Work closely with sales, processing, and closing teams to facilitate timely and accurate loan decisions. Recommend alternative loan structures when needed to help qualify borrowers within acceptable risk parameters. Other duties as assigned. The above functions are intended to describe the general nature and level of work performed by individuals assigned to this job. This is not designed to contain or be interpreted as a comprehensive list of all duties, responsibilities and qualifications required of employees assigned to this job. Education And Experience Bachelor's degree or equivalent combination of education and experience. 4 years' current underwriting experience with at least 2 years specifically in Non-QM underwriting. Proficient knowledge of Non-QM loan products, investor guidelines, and credit risk analysis. Proficient understanding of federal and state mortgage lending regulations and compliance standard. Ability to maintain a knowledge of lending guidelines, investor programs, industry requirements, and industry changes. Ability to make independent decisions regarding acceptance and risk of loans according to HUD, VA, USDA, company, and investor guidelines. Experience with FHA, VA, Conventional conforming and non-conforming loans. Knowledge, Skills And Abilities Demonstrated computer skills in word processing, spreadsheet, and electronic mail software. Strong communication and interpersonal skills, and a high level of professional integrity. Maintains a positive, helpful, constructive attitude and work relationship with co-workers and supervisor. Strong time management and organizational skills in a dynamic, constantly changing environment. Attention to detail and quality focused. Encompass experience preferred. OneTrust Home Loans is an Equal Opportunity Employer CALIFORNIA JOB APPLICANT PRIVACY NOTICE REGARDING THE COLLECTION OF PERSONAL INFORMATION This Job Applicant Notice is designed to meet obligations under the California Privacy Act ("CPRA"), as amended by the California Consumer Privacy Act ("CCPA"), regarding how CalCon Mutual Mortgage, LLC collects and processes personal information during the application and recruitment process. This Job Application Notice solely applies to applicants of CalCon Mutual Mortgage, LLC who reside in the State of California. In the event of a conflict between any other CalCon Mutual Mortgage, LLC policy, statement, or notice and this Job Applicant Notice, this Job Applicant Notice will prevail as to California job applicants. Unless stated otherwise, CalCon Mutual Mortgage, LLC may collect personal information and use it for certain business purposes. Under the CPRA, "consumers" means California residents, including job applicants, employees, or contractors of a business. CalCon Mutual Mortgage, LLC will only process your personal information in accordance with the Company's Privacy Notice, unless otherwise required by applicable law. You can submit a request to hr@onetrusthomeloans.com regarding the Company's Privacy policy to know about the categories of data being collected, the purposes for which the data will be used and your rights to opt out.