Non-QM West Coast Underwriter Team Lead

• Lead and mentor a team of Non-QM underwriters, ensuring adherence to internal underwriting guidelines and external investor standards.
• Provide daily support and direction to underwriters on loan structuring, product eligibility, and risk assessment.
• Perform in-depth underwriting of Non-QM loans, including DSCR, bank statement, P&L, Foreign National, and ITIN programs.
• Review complex loan files and assist underwriters with escalated or exception-based decisions.
• Monitor underwriting pipelines to ensure timely review and turn times are met.
• Conduct quality control reviews and assist in identifying trends or areas needing improvement.
• Support training and onboarding of new underwriters and team members.
• Collaborate with operations, account managers, and closers to ensure a smooth loan process from submission to funding.
• Stay current on Non-QM product updates, regulatory changes, and industry best practices.
• Assist the Underwriting Manager with performance evaluations and workflow improvements.

• PST candidates preferred

• 4+ years of Non-QM underwriting experience, with expertise in DSCR, bank statement, P&L, Foreign National, and ITIN loans.
• Experience mentoring or leading a team of underwriters or senior-level underwriters.
• Proficiency in manual underwriting and advanced income analysis for self-employed borrowers.
• Familiarity with loan origination systems such as Meridian Link, Lending QB, or similar platforms.
• Strong knowledge of mortgage lending regulations and investor guidelines.
• Excellent analytical and decision-making skills with attention to detail.
• Strong written and verbal communication skills, with the ability to clearly explain underwriting decisions.
• Ability to manage multiple priorities and meet deadlines in a fast-paced, dynamic environment.
• Commitment to quality, compliance, and delivering exceptional service.