Mortgage Underwriter

About Lendz Financial

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