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Underwriter NonQM/Non-Agency

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<p>Description</p><p>***Will consider remote work if residence is 30 miles from Chatsworth, CA.***</p><p><br></p><p>CAKE Mortgage is a cutting-edge wholesale mortgage lender specializing in Non-QM products. We're redefining the lending experience with innovative programs, streamlined processes, and a commitment to speed and precision. As we grow, we're looking for forward-thinking professionals who thrive in fast-paced, collaborative environments.</p><p><br></p><p>We are seeking an Underwriter NonQM and Non-Agency to join our team here at Cake Mortgage. These individuals will have extensive background making manual credit decisions on a broad spectrum of loans on a delegated basis to include experience working with DSCR, Bank Statement, P&L, WVOE, 1099, and Asset Utilization loans.</p><p><br></p><p><strong>Key Responsibilities</strong></p><ul><li>Be primary point of contact as subject matter expert (SME) assisting salesforce and business partners in structuring eligible loans in conjunction with the Company’s third-party originators.</li><li>Interpret and provide appropriate loan solutions for NonQM/Non-Agency loan requests</li><li>Analyze borrower’s credit file, collateral and capacity to ensure credit-worthiness</li><li>Perform manual underwriting review to ensure loan meets all product and property guidelines of Company and investors, as well as compliance with corporate and secondary market investor standards.</li><li>Underwrite Non-Agency/NonQM correspondent, wholesale/broker and retail loans in a timely manner to ensure loan meets all product and property guidelines of Company and investors, as well as meeting all established loan policies, credit limits and regulatory requirements.</li><li>Clear conditions timely on loans; affirm data integrity on all submissions</li><li>Identify potential misrepresentation or fraud.</li><li>Keep up-to-date with all guideline changes and system enhancements.</li></ul><p>Requirements</p><ul><li>Working knowledge of Non-Agency/NonQM underwriting guidelines demonstrated through a minimum of 5+ years underwriting experience on Non-Agency/NonQM products</li><li>Experience with DSCR, Bank statement, P&L Only, WVOE Only, 1099 Only</li><li>Ability to read and comprehend new programs and underwriting guidelines</li><li>FHA and VA underwriting experience preferred</li><li>Working knowledge of Microsoft products</li><li>Experience with LOS platform Encompass</li><li>High attention to detail and effective problem-solving skills</li><li>Ability to work independently, with minimal supervision</li><li>Ability to multitask in a high-volume environment</li><li>Excellent written and oral communication skills</li><li>Continuous focus on the customer experience</li></ul><p><br></p><p>Cake Mortgage does not tolerate discrimination of any type. Cake Mortgage offers equal employment opportunity to all qualified persons without regard to race, age, color, religion, sex/gender, gender identity, sexual orientation, marital status, medical condition, military or veteran status, national origin, ancestry, disability, or any other considerations made unlawful by Federal, State, or Local law. Cake Mortgage provides eligible and qualified employees with opportunities to advance. Cake Mortgage is an at will employer. Cake Mortgage is committed to providing employees with a work environment free of discrimination and harassment.    </p>

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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...