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Non Qm Jobs (NOW HIRING)

American Financial Network

Non-QM Underwriter

Brea, CA · On-site

$95K - $120K/yr

Minimum 3-5 years' experience underwriting Non-QM loans. Supervisory Responsibilities, If Any * N/A Physical Demands While performing the duties of this job, employee is regularly required to: * Sit ...

Lendz Financial

OR

Non-QM Knowledge : Familiarity with Non-QM products and confidence explaining complex lending scenarios. * Strong Track Record : Demonstrated ability to drive volume and hit sales targets ...

Lendz Financial

Non-QM Account Executive

Non-QM Knowledge : Familiarity with Non-QM products and confidence explaining complex lending scenarios. * Strong Track Record : Demonstrated ability to drive volume and hit sales targets ...

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Non Qm information

What are typical daily responsibilities for a Non-QM Loan Officer?

Non-QM Loan Officers spend their days consulting with clients who have unique financial profiles, evaluating complex income documentation, and structuring mortgage applications that do not meet qualified mortgage standards. They collaborate closely with underwriters, processors, and real estate agents to guide loans from application through closing. Regular responsibilities include prospecting for new business, staying updated on lending guidelines, and problem-solving uncommon scenarios to serve diverse borrowers. This role is dynamic and requires adaptability to the evolving needs of clients and the housing market.

What is a Non QM job?

A Non-QM (Non-Qualified Mortgage) job typically refers to roles in the mortgage industry that involve working with non-qualified mortgage loans. These loans do not meet the strict guidelines set by government agencies like Fannie Mae or Freddie Mac but serve borrowers with unique financial situations. Professionals in this field may work as loan officers, underwriters, or processors specializing in Non-QM products. They assess and approve loans based on alternative income verification, asset-based lending, or other flexible criteria.

What are the key skills and qualifications needed to thrive in the Non Qm position, and why are they important?

To thrive in a Non-QM (Non-Qualified Mortgage) Loan Officer role, you need expertise in mortgage lending, familiarity with non-traditional underwriting guidelines, and state-specific loan officer licensing. Proficiency with mortgage origination systems, credit analysis software, and knowledge of alternative income documentation practices are critical. Strong interpersonal skills, attention to detail, and the ability to effectively explain complex financial products make candidates stand out. These qualifications are essential for helping clients who do not fit conventional lending criteria secure appropriate mortgage solutions while ensuring regulatory compliance.

More about Non Qm jobs
What cities are hiring for Non Qm jobs? Cities with the most Non Qm job openings:
What are the most commonly searched types of Non Qm jobs? The most popular types of Non Qm jobs are:
What states have the most Non Qm jobs? States with the most job openings for Non Qm jobs include:
What job categories do people searching Non Qm jobs look for? The top searched job categories for Non Qm jobs are:
Non Qm jobs near you
Infographic showing various Non Qm job openings in the United States as of June 2026, with employment types broken down into 1% As Needed, 80% Full Time, 18% Part Time, and 1% Temporary. Highlights an 81% Physical, 3% Hybrid, and 16% Remote job distribution.
Remote Sr. Non-QM Underwriter

Remote Sr. Non-QM Underwriter

Paramount Residential Mortgage Group

Corona, CA

$100K - $115K/yr

Full-time

Medical, Dental, Vision, Life, Retirement

Posted 2 days ago

Job description

Responsible for the prudent underwriting of Non-QM loans in accordance with company and investor guidelines. The duties for Non-QM Underwriter include, but are not limited to, those described below.

PRMG offers a comprehensive benefits package for our full-time employees and their dependents, which includes medical, dental, vision, life insurance, short-term disability, long-term disability, a Health Savings Account (HSA), a Flexible Spending Account (FSA), and various other products, based on benefits eligibility, elections, and employee premiums. Upon hire, you will be eligible to enroll in all our company-sponsored benefit programs (Medical, Dental, Life, and Voluntary) on the first of the following month. After completing 60 days, you will be eligible to enroll in our 401(k) program on the first of the following month. Additionally, eligible employees may apply for job openings through PRMG’s Internal and External Job Portal to request a transfer to a different department or position.

Essential Job Functions:

  • Communication: Liaises among borrowers, investors and escrow companies to communicate decisions on loans.
  • Organization: Ensures loan files are complete with all outstanding issues addressed.
  • Equipment: Uses such office equipment as computer terminals, copiers and FAX machines.
  • Physical: Sits for extended time periods. Hearing and vision within normal ranges.

  • Completes a thorough analysis of loan files to determine compliance with company and investor guidelines.
  • Evaluates the entire credit package and collateral for residential mortgage loans and ultimately ensures an “investment” quality loan product.
  • Checks accuracy of all calculations and data integrity.
  • Completion of all required underwriting worksheets found in FastTrac 360 Resource Center.
  • Recommends the loan disposition to underwriting manager for loan amounts in excess of authority limitation.
  • Maintains company standard for productivity level and complies with company policy of 48 hour underwriting turnaround time and 24 hour turnaround time for clearing conditions.
  • Strives to meet 2 decisions/day within allotted time.
  • Communicates decision on loans to appropriate parties both verbally and in writing.
  • Maintains underwriting activity logs and provides monthly underwriting report to underwriting manager.
  • Frontline underwriting of non-QM loan products.
  • Perform a thorough analysis of the applicant's income and expense data, asset documentation, credit reports, and property valuations.
  • Performing manual underwriting, requiring a detailed familiarity with various loan programs.
  • Executing an appraisal analysis to determine that acceptable collateral standards are met.
  • Additional related duties may be assigned, as required.
  • Available to processors for general guideline interpretations and questions on specific loan files.
  • Responds to post closing reviews and audits in a timely fashion.
  • Performs related duties, as directed by Underwriting or Operations Manager.

  • Minimum five years of recent NON-QM mortgage underwriting experience, with solid working knowledge of underwriting guidelines to include FNMA, FHLMC, and NON-QM Investors.
  • Ability to review & calculate complex personal and/or business financials and tax profiles.
  • Excellent written and verbal communication.
  • Experience working in a fast-paced team environment.
  • Encompass loan origination system experience required 5+ years

Skills:

  • Strong interpersonal-communication and business-relationship skills
  • Detail oriented
  • Excellent written and verbal communication skills
  • Technologically proficient in MS Windows software

Education:

  • High school diploma

Travel:

  • None

USD $100,000.00/Yr.
USD $115,000.00/Yr.

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