Non-QM Underwriter

Griffin Funding, Inc. is seeking a skilled Non-QM Underwriter to evaluate and decision mortgage applications, focusing on delegated Non-QM loan products and select Conventional programs. This role involves a comprehensive analysis of borrower capacity, collateral, and creditworthiness to ensure all decisions align with investor guidelines and regulatory requirements.

Key responsibilities

• Actively underwrite assigned Non-QM loan files, issuing approvals, suspenses, or conditions in alignment with internal policies.
• Interpret and apply complex investor underwriting guidelines and overlays to provide clear conditions to internal teams.
• Perform manual underwriting for loans not reliant on automated systems to make sound financial decisions.
• Calculate borrower income using traditional and alternative documentation, including tax returns, bank statements, 1099s, and P&L statements.
• Evaluate appraisals and business documentation to ensure collateral standards and proper vesting are met.

Requirements

• Minimum of five years of recent mortgage underwriting experience, specifically with Non-QM products like DSCR and Bank Statement loans.
• Deep understanding of alternative income documentation types and manual underwriting processes.
• Strong analytical and problem-solving skills with the ability to prioritize high-volume workflows.
• Proven experience with Conventional FHLMC and FNMA guidelines.
• Excellent communication skills and the ability to work independently as a self-starter.

What we offer

• Opportunity to work with a specialized team in a fast-paced, professional environment.
• Exposure to complex Non-QM loan products and diverse underwriting scenarios.
• Supportive culture focused on continuous learning and industry expertise.