Top 14 Mortgage underwriter Jobs in Escondido, Ca

Non-QM Underwriter
Plaza Home Mortgage —San Diego, CA
- $43.27 - $55.29 an hour
- Full-time
- Remote
- Mid-level
- Residential
- High school diploma or GED
- Paid holidays
- Health insurance
Corporate Underwriting Analyst
Plaza Home Mortgage —San Diego, CA
- $31 - $36 an hour
- Full-time
- Remote
- Microsoft Word
- Microsoft Outlook
- 5 years
- Paid holidays
- Health insurance
Sr. Underwriter
Plaza Home Mortgage, Inc. —San Diego, CA
- $40.86 - $50.48 an hour
- Full-time
- Remote
- Microsoft Outlook
- Customer service
- Data analysis skills
- Paid holidays
- Health insurance
Underwriting Team Manager
Plaza Home Mortgage, Inc. —San Diego, CA
- $125,000 a year
- Full-time
- Remote
- Microsoft Outlook
- Customer service
- Mid-level
- Paid holidays
- Health insurance
Mortgage Loan Processor (San Diego or Glendale)
CALIFORNIA FEDERAL CREDIT UNION —San Diego, CA
- $27.46 - $36.26 an hour
- Full-time
- 5 years
- Research
- Mid-level
Quick Apply
10d
Senior Processor
NFM Lending —Encinitas, CA
- $24.04 - $31.25 an hour
- Overtime
- Remote
- Mid-level
- Office
- High school diploma or GED
SVP, Underwriter, VBG
Banc of California —San Diego, CA
- Microsoft Excel
- Microsoft Outlook
- Computer literacy
- Paid parental leave
- Health savings account
Sr. Underwriter- Marine/ Yacht
Axos Bank —San Diego, CA
- $80,000 - $100,000 a year
- Full-time
- Background check
- Pass drug screening
- Mid-level
- Health savings account
- Health insurance
Loan Processor / Mortgage Processor— Broker + Correspondent Lending
M5 Financial —San Diego, CA
- $50,000 - $80,000 a year
- Full-time
- Mid-level
- Office
- 3 years
- Paid time off
- Professional development assistance
Quick Apply
4d
Sr. CRE Analyst
Axos Bank —San Diego, CA
- $76,500 - $90,000 a year
- Full-time
- Background check
- Pass drug screening
- Mid-level
- Health savings account
- Health insurance
Commercial Underwriting Analyst I
Axos Bank —San Diego, CA
- $23 - $25 an hour
- Full-time
- Background check
- Pass drug screening
- Data analysis skills
- Health savings account
- Health insurance
FVP, Commercial Underwriter
Axos Bank —San Diego, CA
- $125,000 - $175,000 a year
- Full-time
- Background check
- Microsoft Excel
- Writing skills
- Health savings account
- Health insurance

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Corporate Underwriting Analyst
Plaza Home Mortgage —San Diego, CA
The role is responsible for providing support to the Underwriting department and division associates, by driving increased knowledge, as well as analysis of…
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Sr. Actuarial Analyst (Statistical Reporting)
Palomar Holdings, Inc. —La Jolla, CA
Translate statistical reporting, regulatory data calls, and other regulatory filing requirements into a data request that can be shared with the Data…
$113,000 - $173,000 a year
3d

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mortgage underwriter jobs near escondido, ca

Non-QM Underwriter

Plaza Home Mortgage -
San Diego, CA

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Job Details

Full-time
$43.27 - $55.29 an hour

Benefits

Paid holidays
Health insurance
Dental insurance
401(k)
Flexible spending account
Paid time off
Vision insurance
Pet insurance

Qualifications

Customer communication
Manual underwriting

Full Job Description

Founded in 2000, Plaza Home Mortgage, Inc. is a privately owned, full-service national lender, offering Wholesale, Correspondent, Renovation and Reverse residential mortgages. Headquartered in San Diego, California, Plaza employs a network of sales associates to serve its clients nationwide.

Plaza is dedicated to building quality, long-term relationships with its mortgage broker and correspondent clients by offering comprehensive programs and exceptional customer experience.

The Non-QM Underwriter is responsible for evaluating and decisioning mortgage applications that fall outside traditional agency guidelines, with a focus on DSCR, Bank Statement, Asset Depletion, and self-employed borrower programs. This role requires advanced analysis of borrower capacity, collateral, and creditworthiness through review of supporting documentation such as credit reports, income and asset verification, bank statements, tax returns, appraisals, and fraud prevention tools. The Non-QM Underwriter applies sound credit judgment while ensuring compliance with company policies, investor requirements, and regulatory standards. This position plays a critical role in balancing risk management with service excellence for both internal and external partners.

Responsibilities and Duties

Ability to manually underwrite complex transactions to ensure the loan meets established underwriting guidelines.
Compute income and debt ratio calculations following program guidelines and ability to repay requirements.
Underwrite loan files in accordance with investor and company Non-QM guidelines, focusing on DSCR, Bank Statement, Asset Depletion, and other alternative documentation loan programs.
Maintain current knowledge of Non-QM investor guidelines, overlays, and program updates.
Perform mortgage credit analysis with or without the assistance of an automated underwriting system and ensure lending decisions follow company guidelines and policies.Perform detailed analysis and review of appraisal for one-to-four family residential properties to determine acceptability of security for loan programs offered by Plaza.
Review loan documents for accuracy and consistency and address discrepancies as necessary.
Issue loan decisions to our business partners in a clear and concise manner.
Document decisions via loan origination platform and complete all final loan decision forms as required.
Identify red flags, layered risk, or potential fraud indicators in loan documentation.
Provide exceptional customer service to both our internal and external customers, including but not limited to answering loan specific questions on non-agency programs and reviewing program requirements within established SLAs.
Maintain production goals & standards in accordance with established SLAs and production metrics.
Other duties as assigned.

Qualifications

Recent manual underwriting experience in the mortgage industry.
Proficient with self employed income calculations and guidelines
Non-agency underwriting experience preferred
Strong attention to detail
Excellent problem-solving skills
Strong interpersonal and communication skills a must
Ability to work in a fast-paced environment
High School Diploma or GED equivalent
Minimum 4 years residential underwriting experience
Minimum 2 years Non-QM specific underwriting experience

Work Environment: This is a remote position.

Compensation and Benefits:

Estimated Rate of Pay:

$43.27 - $55.29
This position is full-time; non-exempt.

The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons.

In addition, Plaza offers a competitive benefits package; including medical/dental/vision, paid time off and holidays, 401(k), life and pet insurance. Plaza also offers additional benefits such as Accident, Hospital, and Critical Illness insurance, and Flexible spending accounts along with a variety of discounted services.

Plaza is an EEOC employer and follows all federal, state, and local laws relating to fair employment.

Plaza Home Mortgage, Inc. is committed to preventing, stopping and remedying all forms of discrimination that occur in its workplace. Managers are accountable for keeping Plaza's workplace free from discrimination and ensuring that Plaza provides equal employment opportunity for all in the workforce and for those seeking to become members of Plaza's workforce.

Plaza's employees are protected by laws designed to protect employees from discrimination on the bases of race, religion, color, sex, pregnancy, gender identity, sexual orientation, parental status, national origin, age, disability, family medical history or genetic information, political affiliation, military service, or any other non-merit based factor. These protections extend to all management practices and decisions, including recruitment and hiring practices, appraisal systems, promotions, and training and career development programs. Plaza's employees are also protected against retaliation if they engage in a protected activity, whistleblowing, or the exercise of any appeal or grievance right provided by law.

This information is provided by Plaza Home Mortgage, Inc. as a courtesy to its mortgage professional clients and the public and is meant for instructional purposes only. None of the information provided is intended to be legal advice in any context. Plaza does not guarantee, warrant, ensure or promise that information provided is accurate. Terms and conditions of programs and guidelines are subject to change at any time without notice. Any unauthorized use or distribution of this information is strictly prohibited. This is not a commitment to lend. ® 2024 Plaza Home Mortgage, Inc. Plaza Home Mortgage and the Plaza Home Mortgage logo are registered trademarks of Plaza Home Mortgage, Inc. All other trademarks are the property of their respective owners. All rights reserved. Plaza Home Mortgage, Inc. is an Equal Housing Lender. Plaza NMLS 2113

Please find our updated Privacy Policy at:
https://www.plazahomemortgage.com/privacypolicy/

Cigna’s Transparency in Coverage link for Plaza’s careers site.
https://www.cigna.com/legal/compliance/machine-readable-files

Plaza NMLS 2113
https://www.nmlsconsumeraccess.org/

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.

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Refine Your Search

mortgage underwriter jobs in escondido, ca

Non-QM Underwriter

Corporate Underwriting Analyst

Sr. Underwriter

Underwriting Team Manager

Mortgage Loan Processor (San Diego or Glendale)

Senior Processor

SVP, Underwriter, VBG

Sr. Underwriter- Marine/ Yacht

Loan Processor / Mortgage Processor— Broker + Correspondent Lending

Sr. CRE Analyst

Commercial Underwriting Analyst I

FVP, Commercial Underwriter

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