Non-QM Underwriter

Dynamic, lively and energetic Mortgage Bank located in beautiful South Bay Los Angeles, looking for a positive and goal oriented NonQM/Portfolio Underwriter. As a NonQm/Portfolio Underwriter, your primary responsibility will consist of but is not limited to:

  • Ability to manually underwrite complex transactions to ensure the loan meets established underwriting guidelines.
  • Compute income and debt ratio calculations following program guidelines and ability to repay requirements.
  • Perform mortgage credit analysis with or without the assistance of an automated underwriting system and ensure lending decisions follow company guidelines and policies.
  • Perform detailed analysis and review of appraisal for one-to-four family residential properties to determine acceptability of security for loan programs offered by Plaza.
  • Review loan documents for accuracy and consistency and address discrepancies as necessary.
  • Issue loan decisions in a clear and concise manner.
  • Document decisions via loan origination platform and complete all final loan decision forms as required.
  • Provide exceptional customer service to both our internal and external customers, including but not limited to answering loan specific questions on non-agency programs and reviewing program requirements within established SLAs.
  • Provide mentoring, training and second signature on loans for underwriters attaining increased level of authority to include non-agency / non-QM loans.
  • Other duties as assigned.


  • High School Diploma
  • Recent manual underwriting experience in the mortgage industry.
  • Proficient with self-employed income calculations and guidelines
  • Minimum 4 years residential underwriting experience
  • Non-agency underwriting experience preferred
  • Expertise in FNMA/FHLMC lending a must
  • Strong attention to detail and excellent organizational skills
  • Excellent problem-solving skills
  • Strong interpersonal and communication skills a must
  • Ability to work in a fast-paced environment

In addition, this position requires an individual who can help achieve our goal of impeccable customer service to our clients. We are offering a competitive salary, bonus and benefits package, making this a highly sought-after position.

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