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Non Qm Jobs (NOW HIRING)

Deephaven

OR

Deephaven Mortgage has been a pioneer and leader in non-QM since our origin in 2012. Our longevity and strength in the non-QM space has allowed a significant number of borrowers to achieve ...

World Business Lenders, LLC

Pipeline Manager

New York, NY · Remote

$70K - $80K/yr

Experience: * 10+ years in non QM residential mortgage processing. Must-Have Requirements Please ensure you meet all of the following before applying: * 10+ years of experience in Non-QM residential ...

World Business Lenders, LLC

Pipeline Manager

Houston, TX · Remote

$70K - $80K/yr

Experience: * 10+ years in non QM residential mortgage processing. Must-Have Requirements Please ensure you meet all of the following before applying: * 10+ years of experience in Non-QM residential ...

World Business Lenders

Pipeline Manager

$70K - $80K/yr

Experience: * 10+ years in non QM residential mortgage processing. Must-Have Requirements Please ensure you meet all of the following before applying: * 10+ years of experience in Non-QM residential ...

World Business Lenders

Pipeline Manager

$70K - $80K/yr

Experience: * 10+ years in non QM residential mortgage processing. Must-Have Requirements Please ensure you meet all of the following before applying: * 10+ years of experience in Non-QM residential ...

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All JobsNon Qm Jobs

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 July 2026, with employment types broken down into 92% Full Time, 4% Part Time, and 4% Contract. Highlights an 70% In-person, and 30% Remote job distribution.

VP of Risk (Mortgage Lending, Non-QM)

Cake Mortgage Corp

Chatsworth, CA • On-site

$180K - $210K/yr

Full-time

Posted 15 days ago

Job description

CAKE Mortgage is a cutting-edge wholesale mortgage lender specializing in Non-QM products. We're redefining the lending experience with innovative programs, streamlined processes, and a commitment to speed and precision. As we grow, we're looking for forward-thinking professionals who thrive in fast-paced, collaborative environments.
The Vice President of Risk is responsible for overseeing the organization's enterprise risk management framework within the business. This role encompasses credit risk, operational risk, compliance risk, and overall risk strategy to ensure the company operates within its defined risk appetite while supporting sustainable growth.
Key Responsibilities
  • Develop and implement a comprehensive risk management framework across credit, operational, and compliance functions.
  • Define and maintain the organization's risk appetite in alignment with business objectives.
  • Partner with underwriting leadership to ensure sound credit decisioning and adherence to guidelines.
  • Evaluate high-risk loan scenarios and provide risk-based recommendations.
  • Identify, assess, and mitigate risks across loan origination, processing, underwriting, and servicing functions.
  • Implement controls to minimize operational losses and inefficiencies.
  • Ensure adherence to federal, state, and investor regulations (e.g., Agency, Non-QM guidelines).
  • Lead risk-related audits and regulatory examinations; address findings and implement corrective actions.
  • Establish KPIs, KRIs, and dashboards to monitor risk exposure and performance.
  • Provide regular reporting and insights to executive leadership and stakeholders.
  • Analyze loan performance trends, delinquency rates, and default risks.
  • Recommend strategies to mitigate losses and improve portfolio health.
  • Work closely with Capital Markets, Secondary, Compliance, and Operations to balance risk with production goals.
  • Support new product development by assessing risk implications.
  • Strengthen internal controls and oversee quality control processes.
  • Promote a culture of risk awareness and accountability across the organization.
  • Mentor staff and drive continuous improvement in risk practices.

Requirements
  • 10+ years of experience in mortgage lending, risk management, or related field.
  • 5+ years of leadership experience in risk, credit, or compliance.
  • Strong knowledge of mortgage operations, underwriting, and regulatory requirements.
  • Experience with Agency, Non-QM, and/or portfolio lending products.
  • Proven ability to develop and implement risk frameworks and controls.
  • Strong analytical, strategic thinking, and decision-making skills.
  • Experience with LOS systems (e.g., Encompass) and risk/analytics tools.
  • Enterprise risk management experience (credit, operational, and compliance risk).
  • Experience working with capital markets and secondary teams.

Why Join CAKE Mortgage?
  • Be part of a fast-growing company changing the game in Non-QM.
  • Competitive compensation and performance-based bonuses.
  • Collaborative and entrepreneurial culture.
  • Opportunities for career advancement and innovation.

Cake Mortgage does not tolerate discrimination of any type. Cake Mortgage offers equal employment opportunity to all qualified persons without regard to race, age, color, religion, sex/gender, gender identity, sexual orientation, marital status, medical condition, military or veteran status, national origin, ancestry, disability, or any other considerations made unlawful by Federal, State, or Local law. Cake Mortgage provides eligible and qualified employees with opportunities to advance. Cake Mortgage is an at will employer. Cake Mortgage is committed to providing employees with a work environment free of discrimination and harassment.
Salary Description
$180,000.00 to $210,000.00/year

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