Jobs at JBA International

View all jobs

Underwriter - Non Agency / Non QM

Fort Washington, Pennsylvania · Accounting/Finance

Underwriter - Non Agency/Non QM 

We deliver on this mission by empowering our employees by encouraging and recognizing superior performance and innovative solutions, by promoting teamwork and divisional cooperation.

Primary Function

The main focus of this role is to perform underwriting of Jumbo and/or Non QM mortgage loans including a detailed review of the residential mortgage loan application and documentation as submitted to ensure loans meet underwriting guidelines as established by the company and its investors.

Principal Duties


  • Approves or rejects residential loans within prescribed authority

  • Analyzes borrower’s credit profile, collateral and capacity to repay the proposed mortgage obligation

  • Ensures loans meet Company or investor guides

  • Accurately calculates borrower’s income and debt-to-income ratios based on acceptable Company and agency practices

  • Documents lending decisions and completes required screens in the loan origination system that include accurate completion of the 1008 as well as adding and/or creating applicable conditions on the loan approval

  • Run, reads and interprets automated underwriting decision results from both Desktop Underwriter and Loan Prospector

  • Reviews conditions submitted on loans and sign off on conditions where appropriate

  • Keeps informed of current and acceptable underwriting practices

  • Communicates loans decisions to clients/internal departments in a timely fashion and ensures compliance deadlines are met with regards to pre-disclosures, approval letters, denial notices, and counteroffers.

  • Works closely with processing and/or account management to answer specific loan questions, to answer specific conditions or documentation requested and to resolve problems

  • Maintains and cultivates an effective working relationship with internal and external customers

  • Prioritizes work queue to ensure service level agreements are met

  • Consistently meets or exceeds established minimum productivity and quality goals

  • Provides quality control responses in a timely manner

  • Acts as a role model of the company’s values, acting in an ethical and professional manner at all times

  • Embraces company culture

Education And Experience Requirements


  • Minimum 4 years of residential loan underwriting experience

  • Strong processing background preferable

  • High school diploma required; college degree preferred

  • College diploma preferred

Knowledge, Skill, and Ability Requirements


  • Manual Underwriting experience

  • Self-employed income analysis

  • Complex Financial Statement analysis

  • Strong analytical skills

  • Ability to make risk based lending decisions supported with relevant data and research

  • Detail oriented

  • Knowledgeable with MS Office

  • Excellent Customer Service skills

  • Excellent verbal and written communication skills

  • Great organizational skills

Company Perks


  • 15 Paid Time Off (PTO) days and 18 after 1st anniversary!

  • 8 Paid Holidays

  • Casual Workplace

  • Employee Engagement Activities

Company Benefits


  • Medical (including Health Savings Account & Flexible Savings Account)

  • Dental - RX – Vision – Life, Disability Insurance – 401(k) Plan with company match! – Employee Assistance Plan

  • Pet Insurance!

Equal Employment Opportunity

We're proud to be an equal opportunity employer- and celebrate our employees' differences, including race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, and Veteran status. Different makes us better.

Exceed the expectations of our residential mortgage borrowers & business partners through superior service, simple processes, and effective communications.

Share This Job

Powered by