Mortgage Underwriter/ Non QM JUMBO UW

Dallas, Texas, United States | Full-time | Partially remote

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Evolve Mortgage Services is a leading provider of outsourced mortgage solutions with the company’s roots going back over 25 years. Evolve’s experience is unequaled in the industry and have helped hundreds of clients dramatically grow and scale their mortgage sector. At Evolve we work side by side with mortgage lenders, banks, and credit unions to help them close more mortgage loans and reduce overhead while remaining Adaptable, Reliable, Cohesive and Seamless in those efforts. Evolve has an immediate career opportunity for a proven successfull, detail oriented Underwriter. This position will ensure that loans are underwritten in compliance with Agency, Investor and client overlays,and ensure that our SLA commitments are met.  

Essential Job Duties and Responsibilities: 

  • Due Diligence Underwriting
    • Ability to analyze the underwriting of Jumbo and Non QM mortgage loans in a timely manner for completeness and compliance guidelines and approved Seller variances.
    • Use of manual underwriting requires strong attention to detail.
    • Manage loan conditions from credit, property, and compliance reviews with Sellers and external 3rd party service due diligence providers.
    • Evaluate and provide recommendations for underwriting waivers and eligibility exceptions.
    • Clearly communicate, in written and verbal form, compensating factors to justify exceptions.
  • Understand and effectively work with Seller variances to product eligibility and underwriting guidelines. Participate in and provide clear feedback on credit policy recommendations.
  • Maintain strong knowledge of mortgage compliance rules agency underwriting guidelines and industry standards for appraisal requirements and regulatory compliance.
  • Participate in evaluating current loan review processes and provide feedback and recommendations to increase efficiency and risk management capabilities.
  • Consistently review third party services (valuation, fraud, compliance) to provide valuable input for loan decisions.

Qualifications, Skills and Education

  • 10+ years of mortgage industry experience
  • 5+ years of jumbo and Non QM underwriting with complex income analysis required
  • Construction background is a plus
  • Expert underwriting knowledge and extensive experience with loan origination documentation
  • Technologically savvy, with the ability to work in varied systems. Proficiency with automated underwriting engines, electronic document management and other systems

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/ or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Preferred Skills:

  • High attention to detail and effective problem-solving skills
  • Excellent client service skills
  • Excellent oral and written communication skills
  • Excellent multi-tasking skills and ability to manage multiple tasks simultaneously
  • Analytical thinking ability, diplomacy and professionalism

No eligibility waiting period to participate in our Benefits package: Medical/Dental/Vision/401(K)/Paid Vacation and Sick Time/Company Holidays

Evolve Mortgage Services is an Equal Opportunity Employer

www.evolvemortgageservices.com