Non-Qm Underwriter

Founded in 2004 and headquartered in Cranford, New Jersey, First Alliance Home Mortgage is a leading lender offering a comprehensive range of home loan solutions, including conventional, FHA, VA, USDA, Non-QM, renovation, jumbo, and down payment assistance programs. Built on values of unity, forgiveness, integrity, and achievement, the company is dedicated to providing a transparent and personalized lending experience. First Alliance Home Mortgage prioritizes people, partnerships, and purpose, helping clients achieve their home ownership goals.

The organization’s commitment to competitive rates and high-integrity customer service has earned the trust of homeowners across many states.

This is an on-site, full-time role located at our Cranford, NJ office for a Non-QM Underwriter. The Non-QM Underwriter will be responsible for evaluating and analyzing loan applications, verifying applicant information, and ensuring compliance with company and industry underwriting standards for non-qualified mortgage products. Day-to-day responsibilities include conducting thorough risk assessments, collaborating with loan officers, reviewing creditworthiness, and providing innovative solutions to complex loan scenarios while delivering an exceptional customer experience.

The role requires attention to detail, organizational skills, and the ability to meet deadlines in a fast-paced environment.

• Strong understanding of Non-QM guidelines, credit, income, and asset analysis.
• Proficiency in using mortgage software and other underwriting tools to review and process applications.
• Excellent analytical skills for assessing risk, reviewing financial documents, and ensuring compliance with underwriting standards.
• Effective communication and collaboration skills to coordinate with loan officers and other stakeholders.
• Ability to work on-site in Cranford, NJ, with strong organizational skills and attention to detail to handle multiple tasks and deadlines.
• Previous underwriting experience, particularly in Non-QM, is highly beneficial.
• Knowledge of federal and state regulatory requirements for mortgage lending.
• Minimum qualification of a high school diploma or GED; a degree in finance, business, or a related field is preferred.