Job Description

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 certified as a Great Place to Work ! Job Summary: Lendz Financial is seeking an experienced and detail-oriented Non-QM Underwriter to join our growing team. This position is critical to the success of our mortgage operations and focuses on underwriting complex loan files, with an emphasis on Non-QM products such as Bank Statement, DSCR, and Asset Utilization programs. This is a fully remote position , starting on Central Time hours (9:00 AM – 6:00 PM CT) to align with our current workflow. Candidates must be able to transition to West Coast hours (9:00 AM – 6:00 PM PST) as business needs evolve. Responsibilities: Underwrite mortgage loan applications in compliance with investor and company guidelines Act as the subject matter expert on all Lendz Financial programs, with a focus on Non-QM products Perform an average of 5 underwrites per day, adjusted for volume Maintain underwriting queue in accordance with established SLAs Achieve and maintain quality benchmarks: Pre-closing defect rate below 10% Post-closing defect rate below 5% Analyze borrower income, including complex structures such as self-employed, 1099, and asset depletion Review 12- and 24-month personal/business bank statements, P&Ls, and cash flow statements Ensure full compliance with federal, state, and investor regulations Make clear, well-documented underwriting decisions aligned with company and program guidelines Provide written justifications for underwriting outcomes and loan conditions Deliver exceptional support to loan officers, operations, and borrowers throughout the loan lifecycle Collaborate with internal teams to evolve program guidelines and compliance standards Partner with Account Managers and Sales to resolve file-level issues and clarify conditions Stay current on industry trends, guideline changes, and regulatory updates Qualifications: Minimum 5 years of mortgage underwriting experience required At least 2 years of hands-on Non-QM underwriting experience Expertise in analyzing complex income sources including: Bank Statement Programs Self-employed borrower income Business financial documentation Familiarity with common Non-QM programs such as DSCR, Asset Utilization, and 1099-only products Excellent communication skills and a collaborative mindset Strong time management and the ability to prioritize in a fast-paced environment Proven problem-solving abilities and sound judgment in loan decisioning Highly subsidized medical insurance Low-cost dental and vision insurance 401(k) program Health Savings Account (HSA) Generous paid time off and company holidays Learning and development opportunities Friendly, collaborative work environment. 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