Non-QM Underwriter

Posted Wednesday, October 8, 2025 at 5:00 AM Join a winning team of innovative thinkers, seasoned mortgage professionals, and financial experts. Build your career at Planet—recognized as a Top Mortgage Employer by National Mortgage Professional. Job Summary The Non-QM Underwriter is responsible for analyzing each loan application package to determine the borrower’s ability and willingness to repay the debt and the value of the property taken as collateral. Based on this determination, the underwriter will either approve or deny the loan package as appropriate. The Underwriter ensures all applicable Federal, State and Investor requirements have been adhered to. Essential Duties and Responsibilities Reviews and underwrites loan files accurately and timely, ensuring compliance with Company guidelines. Verifies documentation is complete and works with operations staff to collect additional information as necessary. Adds conditions to file if necessary in order to complete the underwriting process. Analyzes credit documents, including but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents. Approves or declines loans within limits of assigned authority. Communicates decision to appropriate individuals within the Company upholding fair lending practices. Performs other duties as assigned. Position Requirements Education High school diploma or equivalent required Experience Minimum of three year’s experience as a Conventional mortgage underwriter, Junior Underwriter, or a Senior level Processor Functional/Technical Skills Thorough understanding of credit and an ability to review complex financial documents Effective written and verbal communication skills Strong analytical skills with the ability to think outside of the box Demonstrates a commitment to quality customer service Strong attention to detail Excellent problem solving skills and ability to make sound judgments in a fast-paced environment Well organized with the ability to multi-task Demonstrates strong time management skills with the ability to meet deadlines Works well with others Proficient in all compliance-related regulations including RESPA Strong mathematical skills Strong PC skills (MS Office products) and experience with mortgage origination systems Environmental/Physical Demands Work is typically performed in a standard office environment. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to sustain predictable work attendance, communicate with others, frequently required to stand, walk, sit, and use arms, hands and fingers to reach, handle or touch. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, and ability to adjust focus. Pursuant to the Americans with Disabilities Act, reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description is not designed to cover or contain a comprehensive listing of all activities, duties or responsibilities that are required of an employee. The Company reserves the right to amend or modify this document at any time and without notice. Benefits Our benefits package includes 3 comprehensive Cigna or Kaiser medical plans, dental, and vision insurance. We provide short term and long-term disability insurance, basic life insurance, 401(k), and 11 employer paid holidays. In addition, we offer supplemental benefits to include life insurance, critical illness and accident plans. Planet Home Lending does not accept unsolicited resumes or candidate submissions from recruiters or employment agencies. In the absence of an enforceable, fully executed agreement for a specified position, Planet Home Lending has no obligation to pay any compensation or recruiter fee of any kind. In the event a recruiter, agency or other similar third-party submits a resume or candidate without a valid binding agreement, Planet Home Lending explicitly reserves the right to pursue and hire those candidate(s) without any obligation or compensation to the referring party. Any unsolicited resumes, referrals, or candidate submissions, including those communicated to a member of the Human Resources team or a hiring manager, shall be deemed the property of Planet Home Lending. If you or your agency would like to be considered as a future recruiting partner, please email [email protected] .