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Non Conforming Underwriter Jobs (NOW HIRING)

Sunflower Bank NA

Mortgage Underwriter III

Plano, TX · On-site

Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...

Sunflower Bank NA

Mortgage Underwriter III

Santa Fe, NM · On-site

Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...

Gallagher

Renewal Underwriter

Denver, CO · On-site

Overview We're looking for a Garage Renewal Underwriter to join our team. In this role, you'll ... non-conforming individuals), gender expression, hair expression, marital status, parental status ...

Jobtailor

Mortgage Banker

Colorado Springs, CO · On-site

$90 - $130/hr

Partner effectively with dedicated processing, underwriting, and closing teams * Act as the primary ... Deep expertise in structuring standard and non-conforming loan products * Exceptional relationship ...

Homexpress Mortgage Corp

Underwriter

Tampa, FL · On-site

$70K - $80K/yr

Conforming and Non-QM Underwriting Guidelines * Strong verbal & written communications skills * Strong problem solving skills * Excellent interpersonal, customer service and organizational skills

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Non Conforming Underwriter information

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$32.5K

$78.9K

$139.5K

How much do non conforming underwriter jobs pay per year?

As of Aug 23, 2026, the average yearly pay for non conforming underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What is a non conforming underwriter?

Non Conforming Underwriters are mortgage professionals who assess and approve or deny loan applications that do not meet standard (conforming) lending guidelines, such as those set by Fannie Mae or Freddie Mac. These loans, often referred to as 'non-conforming' or 'jumbo' loans, may involve unique borrower situations, higher loan amounts, or credit challenges. Non Conforming Underwriters evaluate the financial risks involved, review documentation, and ensure that loans comply with both investor and regulatory requirements. Their expertise helps lenders manage risk while providing financing options to clients who may not qualify for conventional loans.

What are the key skills and qualifications needed to thrive as a non conforming underwriter?

To thrive as a Non Conforming Underwriter, you need in-depth knowledge of mortgage underwriting guidelines, risk assessment, and a strong background in finance or related fields. Proficiency with loan origination systems (LOS), automated underwriting systems (AUS), and familiarity with tools like Encompass or DU/LP is typically required. Exceptional analytical skills, attention to detail, and effective communication help you navigate complex loan scenarios and collaborate with stakeholders. These skills are crucial for accurately assessing non-standard loans, mitigating risk, and ensuring regulatory compliance in mortgage lending.

What are some common challenges faced by non conforming underwriters, and how can they be addressed?

Non Conforming Underwriters often encounter unique challenges such as assessing higher-risk or unconventional loan applications that fall outside traditional lending guidelines. These cases require careful risk analysis, strong attention to detail, and creative problem-solving to structure deals that benefit both the lender and borrower while remaining compliant. Collaboration with loan officers, sales teams, and compliance departments is key to navigating complex scenarios, and ongoing education about evolving regulations and market trends helps underwriters stay effective in this dynamic role.

What is the difference between Non Conforming Underwriter vs Conforming Underwriter?

AspectNon Conforming UnderwriterConforming Underwriter
CredentialsTypically requires underwriting certifications and industry experienceSimilar credentials, often with additional certifications for conforming loans
Work EnvironmentWorks with higher-risk, non-standard loan filesHandles standard, conforming loan applications
Industry UsageCommon in mortgage lending for non-standard loansUsed in mainstream mortgage lending for standard loans
Search IntentComparison for specialized underwriting rolesUnderstanding standard vs non-standard underwriting

Non Conforming Underwriters focus on higher-risk, non-standard loans, requiring specialized knowledge and certifications. Conforming Underwriters handle standard loans that meet agency guidelines. The main difference lies in the loan types they process and the risk levels involved.

More about Non Conforming Underwriter jobs

What cities are hiring for Non Conforming Underwriter jobs?

Cities with the most Non Conforming Underwriter job openings:

What states have the most Non Conforming Underwriter jobs?

States with the most job openings for Non Conforming Underwriter jobs include:

What job categories do people searching Non Conforming Underwriter jobs look for?

The top searched job categories for Non Conforming Underwriter jobs are:

Non Conforming Underwriter jobs near you
Infographic showing various Non Conforming Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 78% Full Time, 17% Part Time, 3% Contract, and 1% Nights. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Conventional and Non-QM Underwriter

SummitHR

Los Angeles, CA

Full-time

Re-posted 17 days ago

Job description

Key responsibilities include but are not limited to:

  • Underwrite mortgage loan files for agency compliance and investor guidelines
  • Verify and analyze all necessary financial information and documentation; ensure that loan files contain all necessary credit and legal documents.
  • Approve or approve with conditions loan submission after careful consideration and explore possible alternatives before resorting to a suspense or denial.
  • Assess the risk to the company and our investors to ensure salability of the loan after closing
  • Perform thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations in order to affirm borrower qualifies for loan.
  • 5 years of experience underwriting FNMA, FHLMC, and Non-Conforming mortgages is a plus
  • Re-reviewing files, signing off on conditions, and moving files to clear to close
  • Work closely with operations staff while identifying opportunities to mentor and coach them increasing their knowledge and efficiency
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About SummitHR

Sourced by ZipRecruiter

SummitHR makes a commitment to our clients and candidates to listen to your goals and ideas. We deliver innovative solutions that prove a personal understanding of the culture, vision and brand you represent. We offer dynamic solutions, because We are committed to your success.

Industry

Recruiting and staffing services

Company size

1 - 10 Employees

Headquarters location

Alhambra, CA, US

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