Founding Underwriter, Non-QM
Teach the agents to read a file the way you do, and decide where a human must stay in the loop.
About the role
Non-QM underwriting is judgment, not a checklist. You will define how our agents read income, assets, and property, what they are allowed to conclude on their own, and what they must always hand to a person.
What you will do
- Grade the agents on real files: income calculations, asset seasoning, DSCR, and red flags
- Turn lender guidelines and overlays into rules the agents follow and cite
- Decide which calls stay with a human underwriter, and design how that handoff works
- Build the review set we use to measure every change to the agents before it ships
- Help lender customers trust what the agents produce, by showing exactly how it was reached
What you bring
- Five or more years underwriting non-QM loans, ideally with delegated authority
- Deep comfort with bank-statement income, DSCR, and complex self-employed borrowers
- A record of catching what others missed, and explaining why it mattered
- A precise writer: your conditions are clear the first time
- Interest in how software makes decisions, without needing to write any
Working with the agents
You set the standard the agents are measured against. When you say a file is wrong, that becomes a check every future file has to clear.
Apply for this role
Three things to get started. A person reads every application, and we will reply either way.
Loan Labs is an equal opportunity employer. We consider every applicant without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other characteristic protected by law. If you need an accommodation to apply, write to careers@loanlabs.ai.
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