Lower · 1 month ago
Sr. Underwriter - Non-QM & Jumbo
United States
Full-time
Remote
Mid, Senior Level
3+ years expLower is a mission-driven fintech company dedicated to making homeownership more accessible. The Sr. Underwriter will analyze and evaluate Non-QM and Jumbo mortgage loan applications to ensure compliance with credit and property guidelines, while minimizing risk and maximizing organizational profit.
FinanceFinancial ServicesFinTechLending
Responsibilities
Render approval/denial of mortgage loan applications consistent with current internal and external regulations and guidelines
Analyzes and evaluates creditworthiness of borrowers including but not limited to the review of financial statements, tax returns, asset statements, bank account statements, etc
Investigates and documents any anomalies in the credit file that may not have been addressed
Reviews and recommends approvals or denials for Jumbo and Non-QM loans. Additional loan types may also include government loans and conforming products
Issues loan conditions and required documentation to meet any investor, agency and/or regulatory requirements
Maintains current knowledge of internal and regulatory changes that affect the underwriting of mortgage loans
Provides guidance to loan processors on questions about various loan scenarios, documentation and guideline requirements
Provides and promotes exceptional customer service both internally and externally
Attendance, promptness, professionalism, the ability to pay attention to detail, cooperativeness with co-workers and management, and excellent customer service
Other duties or special projects as assigned
Qualification
Required
3+ years of prior experience working as a Sr. Underwriter
1+ year working primarily with Non-QM and/or Jumbo loans
Working knowledge of all current regulations governing mortgage lending
Working knowledge of investor and agency guidelines
Ability to use systems and software programs needed to conduct daily business
Preferred
Encompass experience preferred
Benefits
Extended benefit offerings including medical/dental/vision, life insurance short- and long-term disability, and parental leave
Paid holidays and paid time off
401K with company match
Discounts on home mortgage refinances or purchase
Company
Lower
Lower provides home refinancing, customer service, consumer lending, home purchase, and financial services.
501-1000 employees
Funding
Current Stage
Late StageTotal Funding
$100MKey Investors
Accel
2021-06-23Series A· $100M
Leadership Team
Dan Snyder
Chief Executive Officer
R
Robert Tyson
Co-Founder
Recent News
2026-01-18
2026-01-16
2026-01-16
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