Logo for EPM

Non-QM Underwriter

EPM

Role overview

Qualifications

  • High school diploma required; college degree preferred.
  • 3+ years of mortgage underwriting experience required.
  • Recent experience in Non-QM and wholesale underwriting required.
  • Knowledge of Non-QM, Jumbo, and residential loan products.

Responsibilities

  • Review and underwrite Non-QM loans including Bank Statement, 1099, DSCR, Full Doc, and Self-Employed borrower profiles.
  • Analyze complex income documentation including personal and business tax returns and bank statements.
  • Evaluate credit, income, and collateral to determine loan eligibility.
  • Issue clear underwriting decisions and communicate required conditions effectively.

Key facts

Hard skills

Other skills

  • Communication
  • Decision Making
  • Organizational Skills
  • Analytical Skills

About the company

EPM logo

EPM

Mortgage & Real Estate Finance

Equity Prime Mortgage LLC is a licensed mortgage lender whose operations extend across the country (50 states). We provide a variety of mortgage products to assist you with finding solutions to all of your mortgage needs. Mission: We are a resource, and voice, for financial empowerment. Vision: To continue to offer top financial service, communication and assistance to the communities we serve. We are an approved Ginnie Mae, Fannie Mae & Freddie Mac Seller/Servicer. Hablo Español Empowering People More. Contact@epm.net or (877) 255-3554 Information is subject to change without notice. Massachusetts Mortgage Lender License #ML 21116. Licensed by the NJ Department of Banking and Insurance. AZ Banker License #0921685. Licensed by the Mississippi Department of Banking and Consumer Finance. Georgia Residential Mortgage License #23300. Licensed by the Pennsylvania Department of Banking. Equity Prime Mortgage LLC, NMLS #21116. (www.nmlsconsumeraccess.org) All Rights Reserved. Copyright 2020. https://equityprime.com/page/privacy-statement While we do not discriminate against views or opinions posted to our social networking accounts, we reserve the right to remove or not approve any comment. A comment will not be edited or modified to remove unacceptable content; the entire comment will simply be deleted. All submitted comments will be reviewed before posting. Some of the reasons we may remove or not approve a comment are listed below: • Abusive, vulgar, obscene, racist, threatening, or harassing comments. • Libel, slander, or personal attacks of any kind, including the use of offensive terms that target specific individuals or groups. • Spam, including content that promotes products or services or contains gratuitous links. • Makes unsupported accusations or claims. • Comments that suggest or encourage illegal, dangerous, or destructive activity. • Duplicate posts. • Off topic commentary. • Political campaigning or lobbying.

Company details

IndustryMortgage & Real Estate Finance
Company size201 - 500

Links

Website LinkedIn See all jobs

Your match analysis

See how your profile stacks up against this role.

We compared the job requirements to your profile to show where you're strong and where you fall short.

Job description

Mortgage Non-QM Underwriter

About EPM

Founded in 2008, EPM is one of the leading wholesale mortgage lenders in the U.S. Headquartered in Atlanta, GA, and licensed in all 50 states, we offer a full range of loan products — including conventional, FHA, VA, non-QM, renovation, and USDA.

Our vision is to live in a world where everyone has the opportunity for The American Gift. Our goal is not only to facilitate homeownership but also to empower individuals and families through informed financial decisions.

Empowering You. We’re committed to giving our team members the operational support, technology, and tools they need to work efficiently and deliver exceptional service. Combined with a collaborative culture rooted in radical candor and innovation, we empower our people to do their best work every day while helping to shape our future.

The Role

EPM is growing, and we are seeking a Non-QM Underwriter to join our team. You’ll be responsible for analyzing and underwriting residential mortgage loans that fall outside traditional agency guidelines and issuing clear, well-supported underwriting decisions. The ideal candidate is detail-oriented, highly analytical, and thrives in a fast-paced, high-volume environment. If this sounds like you, apply today! 
What You'll Do
  • Review and underwrite Non-QM loans including Bank Statement, 1099, DSCR, Full Doc, and Self-Employed borrower profiles. 
  • Analyze complex income documentation including personal and business tax returns and bank statements. 
  • Evaluate credit, income, and collateral to determine loan eligibility. 
  • Issue clear underwriting decisions and communicate required conditions effectively. 
  • Work closely with brokers and internal teams to clarify documentation and guidelines. 
  • Ensure compliance with all regulatory and company standards. 
  • Additional responsibilities related to business needs. 

    • What You Bring
  • High school diploma required; college degree preferred. 
  • 3+ years of mortgage underwriting experience required. 
  • Recent experience in Non-QM and wholesale underwriting required. 
  • Knowledge of Non-QM, Jumbo, and residential loan products. 
  • Strong understanding of income analysis, compliance regulations, and appraisal review. 
  • Proficiency with Encompass LOS and AUS systems preferred. 
  • Excellent communication, decision-making, and organizational skills. 
  • Technologically savvy and adaptable to fast-paced environments. 
    • EPM is an equal opportunity employer committed to creating an inclusive environment for all employees. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected characteristic.     Candidate Acknowledgment Statement By clicking "Apply for this Job," I acknowledge that I have reviewed, understand, and agree to the terms outlined in the linked EPM Legal Statement and Application Addendum.

    Apply once. Then go straight to the hiring manager.

    After you apply, unlock the direct contact details of the people who actually make the call. A quick follow-up makes you 5x more likely to land an interview.

    MR

    Marcus Rivera

    Chief Revenue Officer

    m.rivera@company.com
    linkedin.com/in/marcusrivera
    Unlocked after you apply
    ·

    Underwriter Related jobs

    United StatesUnderwriter

    Other jobs at EPM

    Premium

    Reach out to the hiring manager directly.

    Gain access to the contact details of the hiring managers who actually decide, and reach out to network with them directly. That, plus more when you upgrade:

    • Full match report with fit score and gaps
    • Career diagnostics on how recruiters read you
    • Curated company matches and warm intros
    • 48h early access to new roles

    Cancel anytime.