Senior Non-Qm Underwriter

The Team:

At Kind Lending, our family of diverse and talented Kind Ambassadors are the driving force behind our new approach to the mortgage experience. They're the heart and soul of the organization and our "People Before Profits" mentality shines through in every department. Kind Lending is growing and is looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset. Kind Lending is determined to provide the best service in the industry while also providing homebuyers a great selection of products to enhance their buying experience. Backed by our trusted leadership team, Kind Lending's friendly and professional model puts the “fun” in funding.

Pay Disclosure:

The starting base hourly rate of pay range for this position is $44.00 - $50.00 / hour. The actual base is dependent on many factors such as: work experience, business needs, market demands, and other compensation components. The base pay range is subject to change and may be modified in the future.

Responsibilities:

• 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.
• Communicating credit risk decisions to the partnering individuals within the company, correspondents, or borrowers.
• Achieving productivity standards.
• Performing due diligence quality review of partnering underwriters, by providing a detailed review of retail and correspondent approved loans, including credit, income, and asset analysis and findings.
• Additional related duties may be assigned, as required.

Competencies:

• Minimum of 3 years of recent front-end mortgage underwriting experience.
• Must have recent experience underwriting non-QM loan programs.
• Ability to review & calculate complex personal and/or business financials and tax profiles.
• Excellent written and verbal communication skills.
• Experience underwriting non-QM is required.

Work Authorization:

Must be able to verify identity and employment eligibility to work in the U.S. without a visa sponsorship.

Other Duties:

This job profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may perform additional related duties as assigned to meet the needs of the organization.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Primary functions require sufficient physical ability and mobility to work in an office setting; to stand or sit for prolonged periods of time; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination including use of a keyboard; and to verbally communicate to exchange information. VISION: See in the normal visual range with or without correction. HEARING: Hear in the normal audio range with or without correction.

Kind Lending is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to race, religion, creed, color, orientation, gender, age, national origin, veteran status, disability status, marital status, sexual orientation, gender identity, or gender expression.