Non-QM Underwriter

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.