Senior Non-QM Underwriter

The Team

At Kind Lending, our family of diverse and talented Kind Ambassadors is the driving force behind our new approach to the mortgage experience. They are the heart and soul of the organization, and our "People Before Profits" mentality shines through in every department.

Kind Lending is growing and is looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset. The company is determined to provide the best service in the industry while also giving home buyers a great selection of products to enhance their buying experience. Backed by a trusted leadership team, Kind Lending's friendly and professional model puts the “fun” in funding.

The Sr. Underwriter is responsible for underwriting DSCR, Bank Statement, Asset Utilization, P&L, and Full Doc transactions. This role involves evaluating loan applications, making credit decisions, and working with loan officers, brokers, and internal operations staff to make solid credit decisions and provide excellent customer service to internal and external customers. The Sr. Non‑QM Underwriter ensures that loan decisions are made in compliance with internal policies and guidelines, agency guidelines, and regulatory standards while mitigating risk and optimizing the borrower’s experience.

• Underwrite Non‑QM loans
• Review multiple product types: DSCR, Bank Statement, Asset Utilization, Foreign National, P&L, 1099 loans.
• Perform Bank Statement calculation (manual and automated)
• Maintain company SLA (service level agreements)
• Communicate with Mortgage Loan Originators, Brokers, and Operations staff to ensure high level of customer service
• Adhere to all company policies and procedures
• Maintain acceptable QC rating with minimal findings
• Complete tasks assigned by management

• 5+ years of mortgage underwriting experience with at least 2–3 years in Non‑QM lending
• Strong knowledge of all Non‑QM products
• Proficient with Word, Outlook, PowerPoint, Excel, and multiple LOS (Blue Sage preferred)

• Ability to work well in a fast‑paced environment with high volume
• Strong analytical and decision‑making abilities
• Proficient in mortgage lending software and underwriting platforms
• Thorough understanding of regulatory and compliance requirements
• Excellent communication and interpersonal skills

Fully remote or in‑office/hybrid schedule available.

The starting base salary pay range for this position is $95,000 – $115,000. The actual base is dependent on many factors such as experience, business needs, market demands, and other compensation components. The base pay range is subject to change and may be modified in the future.

Must be able to verify identity and employment eligibility to work in the U.S. without visa sponsorship.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Must be able to lift up to ten pounds; required to do routine office motions and minor lifting. Reasonable accommodations may be provided for disabilities.

Kind Lending is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to race, religion, creed, color, orientation, gender, age, national origin, veteran status, disability status, marital status, sexual orientation, gender identity, or gender expression.