Non-QM Mortgage Underwriter

Jet HomeLoans, LP is a National Mortgage Lender headquartered in Jacksonville, Florida. Jet HomeLoans focuses on providing its customers and business partners with the industry's best services. Position Overview We are seeking an experienced Non-QM Mortgage Underwriter to join our dynamic team. The ideal candidate will bring at least 10 years of mortgage underwriting experience , with a minimum of 5 years focused on Non-QM products . This individual will be responsible for evaluating complex borrower profiles, ensuring compliance with company guidelines, and delivering timely, sound credit decisions. Key Responsibilities Review and analyze loan applications, credit reports, income, assets, collateral, and other documentation to assess borrower eligibility. Apply expert knowledge of Non-QM loan programs including bank statement loans, DSCR, asset depletion, and other alternative documentation products. Maintain compliance with all federal, state, and investor regulations as well as company policies. Provide clear, consistent communication with loan officers, processors, and other stakeholders. Identify and mitigate risk while ensuring loan quality standards are met. Stay updated on industry trends, guideline changes, and market shifts in Non-QM lending. Support junior underwriters with guidance and mentorship as needed. Qualifications 10+ years of mortgage underwriting experience. 5+ years of Non-QM underwriting experience. Strong knowledge of Non-QM products and ability to handle complex income scenarios. Familiarity with AUS systems (DU/LP) and manual underwriting. Excellent analytical, problem-solving, and decision-making skills. Strong written and verbal communication abilities. High attention to detail with the ability to manage multiple files in a fast-paced environment. Preferred Skills DE, LAPP, or SAR certifications (not required but a plus). Experience in both retail and wholesale lending environments. Proficiency with Encompass or other LOS platforms. What We Offer Competitive salary and performance-based bonuses. Comprehensive benefits package (health, dental, vision, 401k). Opportunities for professional development and growth. Collaborative and supportive team culture. Workplace Requirements: Able to navigate a standard office environment (remotely and/or in office)