Mortgage Underwriter
Not Disclosed•Full-TimeRemote
location_on145, Northeast 15th Avenue, Fort Lauderdale, Broward County, Florida, 33301, United States
About the Team
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 and recognized as a Scotsman Guide Top Workplace.
About the Role
Lendz Financial is seeking a motivated and detail-oriented Non-QM Underwriter to join our growing operations team. This role is ideal for an underwriter with a strong foundation in mortgage credit who is eager to deepen their Non-QM expertise and grow within a supportive, high-accountability environment.
You will underwrite complex loan files across Non-QM programs such as Bank Statement, DSCR, Asset Utilization, and 1099 income, while partnering closely with Sales, Account Managers, and Operations to deliver thoughtful, well-supported underwriting decisions. This is a fully remote position with clear performance expectations, ongoing coaching, and opportunities for professional growth.
Culture & Values
At Lendz, our culture is built on the belief that we thrive when we act like owners and consistently exceed expectations. We are committed to developing talent that grows with us, fostering an environment where collaboration and high performance drive our success. As a Great Place to Work certified company, we prioritize a supportive atmosphere that values ownership and continuous improvement.
Work location
Work model: Remote
145, Northeast 15th Avenue, Fort Lauderdale, Broward County, Florida, 33301, United States
Fort Lauderdale, Florida
Key Responsibilities
- check_circleUnderwrite residential mortgage loan applications in compliance with company, investor, and regulatory guidelines
- check_circleAnalyze borrower credit, assets, and income including complex scenarios like self-employed and 1099 income
- check_circleReview and evaluate personal and business documentation such as bank statements, P&Ls, and cash flow statements
- check_circleMaintain an underwriting pipeline that meets established SLAs and productivity benchmarks
- check_circleDeliver clear, well-documented underwriting decisions and conditions aligned with program guidelines
- check_circlePartner with Loan Officers and Operations to resolve file-level questions and move loans toward closing
- check_circleStay current on Non-QM guideline updates, investor overlays, and regulatory requirements
- check_circleSupport quality control standards by maintaining pre-closing and post-closing defect rates below specified thresholds
Requirements
- verified2–5 years of mortgage underwriting experience
- verifiedWorking knowledge of Non-QM products (Bank Statement, DSCR, Asset Utilization, 1099 income)
Benefits & Perks
check_circleHighly subsidized medical insurancecheck_circleLow-cost dental and vision insurancecheck_circle401(k) programcheck_circleHealth Savings Account (HSA)Generous paid time off and company holidays
Similar Job Opportunities
Frequently asked questions about Mortgage Underwriter at Lendz Financial
What does a Mortgage Underwriter at Lendz Financial do?expand_more
In this Mortgage Underwriter at Lendz Financial role, you will underwrite residential mortgage loan applications in compliance with company, investor, and regulatory guidelines; analyze borrower credit, assets, and income including complex scenarios like self-employed and 1099 income; review and evaluate personal and business documentation such as bank statements, p&ls, and cash flow statements; and maintain an underwriting pipeline that meets established slas and productivity benchmarks.
What are the requirements for this Mortgage Underwriter role?expand_more
Lendz Financial is looking for candidates who meet the following requirements: 2–5 years of mortgage underwriting experience; and Working knowledge of Non-QM products (Bank Statement, DSCR, Asset Utilization, 1099 income).
Where is the Mortgage Underwriter role at Lendz Financial located?expand_more
Mortgage Underwriter at Lendz Financial is based in 145, Northeast 15th Avenue, Fort Lauderdale, Broward County, Florida, 33301, United States. This is a remote role.
Is this Mortgage Underwriter job remote, hybrid, or on-site?expand_more
Lendz Financial has listed this Mortgage Underwriter role as remote.
How much experience is required for this Mortgage Underwriter role?expand_more
Mortgage Underwriter at Lendz Financial typically requires 2–5 years of relevant experience at the mid level level.
What skills do you need for the Mortgage Underwriter role at Lendz Financial?expand_more
Key skills for Mortgage Underwriter at Lendz Financial include Mortgage Underwriting; Non-QM; Bank Statement; DSCR; Asset Utilization; 1099 Income; P&L; and Cash Flow Statements.
What category does the Mortgage Underwriter role belong to?expand_more
Mortgage Underwriter at Lendz Financial is part of the accounting & finance job category on Recrutus.
About Lendz Financial
Lendz Financial operates as a full-service direct wholesale residential mortgage lending platform headquartered in Fort Lauderdale, Florida. Serving the financial services industry, the company specializes in assisting mortgage brokers by increasing loan origination volume through simplified workflows and technology-driven solutions. The organization provides competitive rates, a diverse product suite, and rapid processing times to facilitate a seamless experience from application to closing for its broker partners. As an NMLS licensed residential mortgage lender and servicer, Lendz maintains a regulatory footprint across Arizona, California, Colorado, Florida, Georgia, Illinois, Michigan, North Carolina, New Jersey, Nevada, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, and Washington. Additionally, the firm extends business purpose loans to real estate investors in a broad range of states including Alabama, Arkansas, Connecticut, Delaware, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, New York, Rhode Island, Wisconsin, West Virginia, and Wyoming. The company fosters a collaborative culture defined by core values such as Thrive Together, Act Like an Owner, and Exceed Expectations. This commitment to high-performance standards has resulted in certifications from Great Place to Work and Scotsman Guide as a Top Workplace.
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