Senior Underwriter – Non-QM

🔥 0 minutes ago

❄️ Minnesota – Remote

❄️ Minnesota – Remote

💵 $80k - $110k / year

⏰ Full Time

🟠 Senior

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Luminate Bank

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 1937

🏦 Banking

💳 Fintech

Banking • Fintech

Luminate Bank is a regional consumer- and business-focused bank headquartered in Minneapolis that provides a full range of retail and commercial banking services. It offers personal accounts (checking, savings, CDs, HSAs), business banking and treasury management, full-service mortgage and home lending (conventional, FHA, VA, jumbo, construction, renovation, reverse, refinance), title & escrow, and credit card products. The bank emphasizes digital banking tools — a mobile app, online banking, digital wallet integrations, Zelle®, and financial planning resources — while highlighting local support, community impact, and resources for first-time homebuyers and small businesses.

📋 Description

• Underwrite Non-QM products, including but not limited to Bank Statement Programs, DSCR, Asset Depletion, Foreign National, and Self-Employment • Main point of contact for Non-QM post close credit pipeline • Maintain an underwriting pipeline of new loans and resubmissions that meet standard service level agreements • Evaluate and examine loan files to ensure accuracy, completeness, and compliance with investor and internal guidelines to issue loan decisions • Communicate with operations, sales, business partners, maintaining a high level of customer service • Collaborate with the post-closing department on any stipulations for closed files • Perform other related duties as assigned

🎯 Requirements

• 3+ years of mortgage underwriting experience • Experience with Non-QM Post-Close credit and manual underwriting • Excellent communication skills • Encompass LOS experience, a plus • Time management, problem-solving skills, and attention to detail • Proficient in Microsoft Outlook, Excel, Word

🏖️ Benefits

• Competitive compensation reliant on ability and experience • Excellent benefits package including health, pre tax HSA, FSA accounts and dental & vision • Life and AD&D Insurance, as well as additional voluntary benefit possibilities • 401K with robust company match • Flexible PTO program • Earned Sick & Safe Time (ESST) • The opportunity to work for the Midwest’s fastest growing lender