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Non-QM Underwriter

United States · remote · Salary not listed

Role overview

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.