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Lendz Financial offers a full-service direct wholesale residential mortgage lending platform, focused on helping mortgage brokers grow their loan origination volume with simplified processes and intuitive, tech-based solutions. We emphasize a modern, customer-centric approach, offering competitive rates, a diverse range of products, and rapid turnaround times. Committed to delivering a world-class experience for our broker partners, we streamline the lending process to ensure a smooth journey from application to closing.
Our core values, Thrive Together, Act Like an Owner, and Exceed Expectations, cultivate a collaborative, high-performance culture that drives our pursuit to become the undeniable leader in mortgage lending. Lendz is proud to be Great Place to Work certified and recognized as a Scotsman Guide Top Workplace
Lendz Financial offers a full-service direct wholesale residential mortgage lending platform, built to help mortgage brokers grow their businesses through simplified processes, intuitive technology, and a modern, customer-first approach. We provide competitive rates, a diverse Non-QM product suite, and fast turnaround times—backed by a collaborative, high-performance culture.
Our core values— Thrive Together, Act Like an Owner, and Exceed Expectations —guide how we work, how we lead, and how we support one another. Lendz is proud to be certified as a Great Place to Work , and we’re committed to developing talent that grows with us.
About the Role
Lendz Financial is seeking a motivated and detail-oriented Non-QM Underwriter to join our growing operations team. This role is ideal for an underwriter with a strong foundation in mortgage credit who is eager to deepen their Non-QM expertise and grow within a supportive, high-accountability environment.
You’ll underwrite complex loan files across Non-QM programs such as Bank Statement, DSCR, Asset Utilization, and 1099 income , while partnering closely with Sales, Account Managers, and Operations to deliver thoughtful, well-supported underwriting decisions. This is a fully remote position with clear performance expectations, ongoing coaching, and opportunities for professional growth.
What You’ll Do
Underwrite residential mortgage loan applications in compliance with company, investor, and regulatory guidelines
Analyze borrower credit, assets, and income, including complex income scenarios such as:
Self-employed borrowers
1099 income
Bank Statement programs
Asset depletion and utilization
Review and evaluate personal and business documentation, including 12- and 24-month bank statements, P&Ls, and cash flow statements
Maintain an underwriting pipeline that meets established SLAs and productivity benchmarks
Deliver clear, well-documented underwriting decisions and conditions aligned with program guidelines
Provide written justification for loan decisions and required conditions
Partner with Loan Officers, Account Managers, and Operations to resolve file-level questions and move loans efficiently toward closing
Support quality control standards, including:
Pre-closing defect rate below 10%
Post-closing defect rate below 5%
Stay current on Non-QM guideline updates, investor overlays, and regulatory requirements
Contribute to a collaborative team environment focused on continuous improvement and shared success
What We’re Looking For
2–5 years of mortgage underwriting experience , including exposure to Non-QM or alternative documentation loans
Working knowledge of Non-QM products such as:
Bank Statement programs
DSCR
Asset Utilization
1099 income
Strong analytical skills with the ability to evaluate complex borrower profiles
Clear, professional written and verbal communication skills
A coachable mindset with a desire to learn, grow, and evolve within the role
Strong time management skills and the ability to prioritize in a fast-paced environment
Sound judgment, attention to detail, and a high level of accountability
What We Offer
Highly subsidized medical insurance
Low-cost dental and vision insurance
401(k) program
Health Savings Account (HSA)
Generous paid time off and company holidays
Ongoing training, mentorship, and professional development opportunities
A collaborative, supportive work environment that values ownership and growth
Originally posted on Himalayas