Job Description Job Description Acrisure Mortgage is looking for an experienced Non-QM Underwriter to join our growing team. We are seeking a detail-oriented mortgage professional with strong credit analysis skills and extensive experience underwriting complex Non-QM loan products. If you thrive in a fast-paced production environment and are passionate about making sound credit decisions while delivering exceptional service, we'd love to hear from you!What You'll DoIndependently review and underwrite Non-QM mortgage loan applications.Evaluate borrower credit, income, assets, collateral, and overall loan eligibility.Analyze complex income documentation, including self-employed borrowers, business tax returns, bank statements, asset depletion, rental income, K-1s, and other alternative income sources.Issue underwriting decisions, including approvals, conditions, suspensions, and denials, in accordance with company and investor guidelines.Ensure loans meet all applicable regulatory, compliance, and investor requirements.Maintain established underwriting turn times while managing a high-volume pipeline.Communicate underwriting decisions clearly and professionally with Loan Officers, Processors, and Operations teams.Assist with loan scenarios and provide guidance on complex transactions when needed.Maintain high quality standards by minimizing revisions, suspense conditions, and post-closing findings.Stay current on Non-QM products, underwriting guidelines, and industry regulations.What We're Looking ForMinimum of 2 years of recent Non-QM underwriting experience.Experience independently underwriting Non-QM mortgage loans with delegated authority preferred.Strong knowledge of alternative documentation lending programs.Extensive experience reviewing self-employed borrower income and complex financial documentation.Ability to analyze and interpret multiple investor guidelines.Excellent analytical, organizational, and decision-making skills.Strong communication skills with the ability to clearly explain underwriting decisions.Ability to work efficiently in a deadline-driven production environment.Preferred Product ExperienceExperience underwriting one or more of the following loan types:Bank StatementDSCR (Debt Service Coverage Ratio)Asset DepletionP&L OnlyInterest OnlyJumboForeign NationalITIN1099 IncomePreferred SkillsExperience using Encompass or a similar Loan Origination System.Ability to underwrite approximately 25-35+ loans per month, depending on complexity.Consistent history of meeting production, quality, and turnaround expectations.Experience maintaining strong audit results and low defect rates.Comfortable working remotely in a production-based underwriting environment.Why Join Acrisure Mortgage?At Acrisure Mortgage, you'll join a collaborative team that values accuracy, efficiency, and exceptional customer service. We provide an environment where experienced underwriters are empowered to make informed credit decisions while supporting borrowers and business partners throughout the lending process. If you're looking to grow your career with an established and respected mortgage lender, we'd love to meet you!Acrisure Mortgage is an Equal Employment Opportunity/Affirmative Action Employer and maintains a Drug-Free Workplace. Applicants must complete all interviews without the use of AI or automated tools.
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