Jet HomeLoans, LP is a National Mortgage Lender headquartered in Jacksonville, Florida. Jet HomeLoans focuses on providing its customers and business partners with the industry's best services. Position Overview A Non-QM Underwriter is responsible for underwriting complex non-qualified mortgage loan applications and managing an assigned loan pipeline. Additionally, a person in this position is responsible for:
• Underwriting Non-QM loans, including bank-statement and other alternative-documentation programs, with the ability to support Conventional (Fannie Mae/Freddie Mac) loans as business needs require.
• Ensuring loans approved are salable and conform to applicable investor and insurer guidelines.
• Keeping up with the most recent investor and insurer guidelines/programs.
• Adhering to company policies and procedures.
• Analyzing borrower income, including complex self-employed income, assets and credit/liabilities documentation.
• Calculating simple and complex income types using traditional and alternative documentation.
• Ensuring loans within the assigned pipeline close timely.
• Ensuring assigned company Key Risk Indicator (KRI) and Key Performance Indicator (KPI) metrics are met.
• Reviewing and solving complex loan issues.
• Developing and cultivating great working relationships with sales, processing, underwriting, closing, secondary and compliance teams and leaders.
• Researching and responding timely to internal Quality Assurance and Quality Control reviews.
• Reporting material process and policy infractions/gaps to Underwriting Leadership.
• A Non-QM Underwriter reports directly to an Underwriting Manager. Required

Experience:
• 3–5 years of hands-on Non-QM mortgage underwriting experience.
• Robust working knowledge of Non-QM investor guidelines, bank-statement programs and alternative income documentation.




• Experience evaluating complex borrower scenarios and making independent underwriting decisions within established guidelines and approval authority.
• Deep knowledge of federal and state laws (e.g., TRID, TILA, ECOA and HMDA).
• Sound technical skills with the aptitude to learn/navigate loan origination software and other technologies.
• Able to write correspondence and to effectively present information to peers, borrowers and in some cases clients.
• Able to read and interpret various loan documents such as promissory notes, agency/investor and legal directives and other loan documents.
• Able to define problems, collect data, establish facts and provide information to resolve the situation.
• Able to work well under pressure and meet multiple and sometimes competing deadlines.
• Able to apply basic math; calculate figures and amounts such as discounts, interest, commissions and percentages.
• Basic computer skills required: word processing, email, and mortgage software. Preferred

Experience:
• Conventional/QM underwriting experience and working knowledge of FNMA and FHLMC guidelines.
• Jumbo underwriting experience.
• Builder-affiliated mortgage lending experience.
• 2–3 years of Encompass Loan Origination System experience.
• Microsoft Excel proficiency. Expectations:
• Facilitate an excellent working relationship with internal and external customers by developing and maintaining respect, communicating effectively and providing excellent customer service.
• Maintain a high level of integrity, confidentiality, and trust.
• Effectively problem solve by using judgment based upon knowledge of existing management policies and departmental practices and procedures.
• Meet established productivity, loan quality and task management standards.
• Ensure confidentiality of client records.
• Demonstrate a commitment to the Company Culture.
• Respond to phone calls and emails within the same workday. Workplace

Requirements:
• Able to navigate a standard office environment (remotely and/or in office). #jethomeloans #mortgagejobs #newhomesales

📌 Non-QM Underwriter (Squamish)
🏢 Dream Finders Homes
📍 Squamish