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Qm Underwriter Jobs (NOW HIRING)

Workway, Inc.

Be Seen First

Non-QM Underwriter

Dallas, TX · Remote

$95K - $105K/yr

Currently, we have a Non-QM Underwriter opportunity with a national mortgage lender. The Non-QM Underwriter is responsible for underwriting Non-Agency/NQM mortgage loans and performing credit ...

Plaza Home Mortgage, Inc.

Non-QM Underwriter

San Diego, CA · Remote

$43.27 - $55.29/hr

The Non-QM Underwriter is responsible for evaluating and decisioning mortgage applications that fall outside traditional agency guidelines, with a focus on DSCR, Bank Statement, Asset Depletion, and ...

CrossCountry Mortgage

Non-QM Underwriter

The Non-QM Underwriter maintains extensive product and guideline knowledge of all Non-QM lenders and assists loan teams and underwriting teams with questions and issue resolution. Job ...

Plaza Home Mortgage, Inc.

Non-QM Underwriter

San Diego, CA · On-site

$43.27 - $55.29/hr

The Non-QM Underwriter is responsible for evaluating and decisioning mortgage applications that fall outside traditional agency guidelines, with a focus on DSCR, Bank Statement, Asset Depletion, and ...

Ocwen

Non-QM Underwriter

West Palm Beach, FL

$90K - $105K/yr

The Non-QM Mortgage Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for ...

Deephaven

Remote Non QM Underwriter

$52.88/hr

Recent, hands-on non-QM underwriting experience is required, including, but not limited to: * DSCR * Bank Statement (personal & business) * P&L-only qualification * Asset Depletion * Multi-family

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 ...

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Qm Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do qm underwriter jobs pay per year?

As of Jul 15, 2026, the average yearly pay for qm 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 are QM Underwriters?

QM Underwriters are professionals who review and assess mortgage loan applications to ensure they meet the Qualified Mortgage (QM) standards set by the Consumer Financial Protection Bureau (CFPB). Their main responsibility is to verify that borrowers can reasonably repay their loans and that the loan terms comply with QM guidelines. This involves analyzing income, assets, credit history, and debt-to-income ratios. QM Underwriters play a crucial role in minimizing risk for lenders and protecting consumers from unaffordable loans.

What is the difference between Qm Underwriter vs Insurance Underwriter?

AspectQm UnderwriterInsurance Underwriter
Required CredentialsBachelor's degree, industry certificationsBachelor's degree, industry certifications
Work EnvironmentOffice-based, analytical tasksOffice-based, risk assessment
Employer & Industry UsageFinancial institutions, mortgage companiesInsurance companies, brokers
Comparison Search IntentUnderstanding role differences in underwritingUnderstanding role differences in underwriting

Qm Underwriters and Insurance Underwriters both evaluate risks and determine approval for financial products. While Qm Underwriters often focus on mortgage or loan applications, Insurance Underwriters specialize in assessing insurance policies. Both roles require similar credentials and work environments, but they serve different industries and client needs.

What are some common challenges faced by QM Underwriters, and how can they overcome them?

QM Underwriters often encounter challenges such as interpreting complex borrower financial profiles, staying updated with evolving Qualified Mortgage (QM) regulations, and balancing risk assessment with customer service expectations. To overcome these challenges, it's important to maintain strong attention to detail, participate in ongoing training to keep abreast of regulatory changes, and collaborate closely with loan officers and compliance teams. Building effective communication skills also helps QM Underwriters clarify documentation needs and resolve issues efficiently, supporting both compliance and customer satisfaction.

What are the key skills and qualifications needed to thrive as a QM Underwriter, and why are they important?

To thrive as a QM Underwriter, you need a thorough understanding of mortgage underwriting guidelines, risk assessment, and compliance with Qualified Mortgage (QM) regulations, usually supported by experience in mortgage lending or a related field. Proficiency with loan origination systems (LOS) like Encompass, knowledge of AUS (Automated Underwriting Systems), and familiarity with regulatory standards such as ATR/QM rules are essential. Strong analytical thinking, attention to detail, and effective communication skills distinguish top performers in this role. These competencies ensure accurate loan decisions, regulatory compliance, and minimized risk exposure for lenders.
More about Qm Underwriter jobs
What job categories do people searching Qm Underwriter jobs look for? The top searched job categories for Qm Underwriter jobs are:
Qm Underwriter jobs near you
Infographic showing various Qm Underwriter job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 92% Full Time, 4% Part Time, and 3% Contract. Highlights an 85% Physical, 2% Hybrid, and 13% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Non-QM Underwriter

Non-QM Underwriter

Workway, Inc.

Dallas, TX • Remote

$95K - $105K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 13 days ago

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Job description

We are a professional staffing firm, working with organizations across the country to place exceptional candidates. Currently, we have a Non-QM Underwriter opportunity with a national mortgage lender.  The Non-QM Underwriter is responsible for underwriting Non-Agency/NQM mortgage loans and performing credit analysis to ensure compliance with corporate and secondary market investor standards. Non-QM Underwriter is responsible for the specific duties listed below.
Job Functions :

  • Manually underwrite Non-Agency/Non-QM correspondent, wholesale/broker, and retail loans in a timely manner to ensure loan meets all product and property guidelines of Company and investors, as well as meeting all established loan policies, credit limits and regulatory requirements.
  • Analyze borrower's credit file, collateral, and capacity to ensure creditworthiness.
  • Conduct thorough risk assessments to identify potential issues or red flags.
  • Issue loan decisions to our business partners in a clear and concise manner.
  • Maintain production goals & standards in accordance with established KPIs and production metrics.
  • Clear conditions timely on loans; affirm data integrity on all submissions.


Education and Experience :

  • Working knowledge of Non-Agency/NQM underwriting guidelines demonstrated through a minimum of 5 years underwriting experience on Non-Agency/NQM products.
  • 4 + years of Experience with the following programs: Bank statement, P&L, 1099, DSCR
  • Experience in either Wholesale or Non-Delegated Correspondent channels.
  • FHA and VA underwriting experience is desirable.


Compensation may vary outside of this range depending on a number of factors, including a candidate's qualifications, skills, competencies and experience, and location. Employees have access to healthcare benefits including medical, dental and vision as well as a 401(k) plan.
Let one of our recruiters assist you in finding and preparing for interviews with our clients. Whether you are interested in a direct hire, temp-to-hire, or temporary position, Workway can help you to put your best foot forward. Contact us today!
Workway, Inc. is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender, gender identity, national origin, disability, protected veteran status, or any other characteristic protected by applicable laws, regulations and ordinances. For our complete EEO & Pay Transparency statement, please visit http://www.workway.com/EEO .

Company Description

Workway BancForce is a premier national staffing firm that places qualified job-seeking candidates across the nation in direct hire, temp-to-hire, and temporary positions across a variety of specialized fields. We pride ourselves in offering a candidate-centric model to assist job seekers in finding their next career opportunity.
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About Workway

Sourced by ZipRecruiter

Forward-thinking and innovative, Workway is at the forefront of the staffing industry. Entrepreneurial-minded leadership, combined with advanced technology, allows Workway to deliver temporary, temp to hire, and direct hire placement results that exceed our clients’ expectations.

Industry

Recruiting and staffing services

Company size

201 - 500 Employees

Headquarters location

Dallas, TX, US

Year founded

2005

Social media

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