POLLY · 1 month ago
Non-QM Underwriter
Dallas, TX, US
Full-time
Onsite
Senior Level
7+ years expPolly is a pioneering company in mortgage capital markets technology, seeking a highly experienced Non-QM Underwriter. The role involves converting complex underwriting guidelines into structured logic, validating pricing and eligibility outputs, and serving as a subject-matter expert for investor guidelines.
B2BFood and BeverageManufacturing
Responsibilities
Serve as the subject-matter expert for investor guidelines (Non-QM, Conforming, Jumbo) and program eligibility
Analyze, interpret, and translate complex investor guidelines including those for bank statements, DSCR, P&L, 1099s, and asset depletion into clear, structured logic for the pricing and eligibility engine
Update, maintain, and validate rules within the pricing engine to ensure all pricing (LLPAs, Spec Payups) and eligibility outputs are accurate and consistent with investor requirements
Proactively recommend improvements to guideline logic and system behavior to enhance efficiency and accuracy
Monitor, review, and interpret all investor communications (e.g., daily emails, notifications) for guideline, rate sheet (LLPA), and product changes
Determine the pricing and eligibility impact of changes and promptly implement them within the system (Polly), including adding new products and adjusting payups, often under same-day deadlines
Conduct systematic validation and testing of pricing and eligibility engine outputs
Troubleshoot and resolve escalated customer support tickets, which may involve full audits of existing investor configurations for content accuracy in eligibility and pricing
Qualification
Required
7+ years of recent mortgage industry experience, with the last 5+ years focused on Non-QM, Non-Conforming, and Jumbo underwriting
Deep, practical expertise in investor guidelines for FNMA, FHLMC, and Non-QM programs, with the ability to accurately interpret and apply them
Specialized experience underwriting complex income, including bank statements, DSCR, 1099s, tax returns, and asset depletion
Technically adept and eager to transition into tech, with a desire to master rule engines, pricing models, workflow systems, and new platforms quickly. Savvy with tools like Excel
Analytical problem-solver with the ability to anticipate edge cases, think like both an underwriter and a systems analyst, and maintain a high level of detail and accuracy
Exceptional customer-centric communication skills, combining strong writing and verbal ability with empathy, diplomacy, and poise under pressure to resolve issues and explain technical concepts clearly
Benefits
100% paid medical/vision/dental/disability/life insurance for full time employees
Flexible vacation
Company
POLLY
Polly is a beverage manufacturing firm that offers alcohol-free distilled drink alternatives to spirits, and aperitifs.
2-10 employees
Funding
Current Stage
Early StageTotal Funding
$1.04M2025-02-18Seed· $1.04M
Company data provided by crunchbase