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Non Conforming Underwriter Jobs (NOW HIRING)

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 ...

New

Homexpress Mortgage Corp

Underwriter

Tampa, FL

$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

HomeXpress Mortgage Corp

Underwriter

Tampa, FL · On-site +1

$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

Homexpress Mortgage Corp

Underwriter

Santa Ana, CA

$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

HomeXpress Mortgage Corp

Underwriter

Santa Ana, CA · On-site +1

$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

RPS

Renewal Underwriter

Springfield, MO · On-site

... non-conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or ...

Gallagher

Renewal Underwriter

Springfield, MO

... non-conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or ...

Movement Mortgage

Jumbo/Non Agency Underwriter

$81K - $114K/yr

Reviews complex conventional/conforming Jumbo loan submissions, ensures company guidelines are met ... Methodical and analytical personality with the ability to underwrite Jumbo loans using our unique ...

Movement Mortgage

Jumbo/Non Agency Underwriter

$81K - $114K/yr

Reviews complex conventional/conforming Jumbo loan submissions, ensures company guidelines are met ... Methodical and analytical personality with the ability to underwrite Jumbo loans using our unique ...

Movement

Jumbo/Non Agency Underwriter

$81K - $114K/yr

Reviews complex conventional/conforming Jumbo loan submissions, ensures company guidelines are met ... Methodical and analytical personality with the ability to underwrite Jumbo loans using our unique ...

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All JobsFinance and Insurance JobsInsurance JobsInsurance Underwriter JobsNon Conforming Underwriter Jobs

Non Conforming Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do non conforming underwriter jobs pay per year?

As of Aug 21, 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.

Mortgage Banker

Jobtailor

Colorado Springs, CO • On-site

$90 - $130/hr

Other

Posted 3 days ago

New

Job description


  • Cultivate and maintain an independent network of professional referral sources

  • Conduct comprehensive financial discovery with clients to analyze their credit, income, and asset profiles

  • Take complete, high-quality loan applications and oversee the initial file disclosure process

  • Partner effectively with dedicated processing, underwriting, and closing teams

  • Act as the primary advisor throughout the transaction, keeping borrowers and real estate agents informed

  • Maintain an expert-level understanding of evolving secondary market trends


Requirements

  • Minimum of 3-5 years of successful, continuous experience as a producing Mortgage Loan Originator (MLO)

  • Active National Mortgage Licensing System (NMLS) license in good standing

  • Bachelor’s degree in business, Finance, or a related field is preferred, but equivalent industry experience and proven production history are highly valued

  • Deep expertise in structuring standard and non-conforming loan products

  • Exceptional relationship-building skills

  • Comprehensive mastery of mortgage compliance standards, including TRID, RESPA, HMDA

  • Expert-level fluency with Loan Origination Systems (e.g., Encompass)

  • Strong analytical skills to creatively navigate difficult files


Core Competencies

Demonstrates expertise in mortgage loan origination, including structuring standard and non-conforming loan products, while maintaining compliance with mortgage standards such as TRID, RESPA, and HMDA. Proven ability to build relationships and effectively communicate with clients and real estate agents throughout the loan process.


Highest-signal resume keywords

  • Mortgage Loan Origination

  • Active NMLS License

  • Loan Origination Systems (Encompass)

  • Mortgage Compliance Standards (TRID, RESPA, HMDA)

  • Relationship-Building Skills


ATS Optimization Keywords
Hard Skills

  • Financial Discovery

  • Loan Application Processing

  • Credit Analysis

  • Income Analysis

  • Asset Profile Analysis

  • Loan Structuring

  • Analytical Skills


Soft Skills

  • Communication Skills

  • Interpersonal Skills


Certifications & Qualifications

  • NMLS License


Industry Keywords

  • Mortgage Industry

  • Secondary Market Trends

  • Non-Conforming Loan Products

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