Top 36 Mortgage underwriter Jobs in North Carolina

Remote Non QM Underwriter
Deephaven Mortgage LLC —North Carolina
- From $52.88 an hour
- Email
- Remote
- 5 years
- Data analysis skills
- Mid-level
- Health insurance
- Flextime
Quick Apply
Mortgage Underwriter
SoFi —Charlotte, NC
- Hybrid work
- Mid-level
- Office
- Analysis skills
14d
Mortgage Underwriter
Primis Mortgage Company —Wilmington, NC
- 8 hour shift
- Hybrid work
- Writing skills
- Mid-level
- Office
Mortgage Underwriter
Fidelity Bank —Greensboro, NC
- Full-time
- Mid-level
- Residential
- Bachelor's degree
Quick Apply
Mortgage Underwriter
RCN Capital —Charlotte, NC
- Monday to Friday
- Hybrid work
- Microsoft Outlook
- Mid-level
- Office
- 401(k)
Quick Apply
Mortgage Underwriter
First Horizon Bank —Charlotte, NC
- Mid-level
- Office
- Mentoring
- Wellness program
- Health savings account
Mortgage Loan Underwriter
Coastal Credit Union —Raleigh, NC
- Full-time
- Hybrid work
- Office
- High school diploma or GED
- US work authorization
Mortgage Insurance Underwriter II
Anza Mortgage Insurance Corporation —Wilmington, NC
- Full-time
- Hybrid work
- Mid-level
- Office
- Finance
- Health insurance
- Dental insurance
Quick Apply
Mortgage Loan Officer
New American Funding. —Charlotte, NC
- $75,000 - $300,000 a year
- Full-time
- Mid-level
- Office
- High school diploma or GED
- Health savings account
- Paid holidays
Quick Apply
Loan Processor
Alpha Mortgage Corporation —North Carolina
- Weekends as needed
- Remote
- Customer service
- 5 years
- Computer literacy
- Health savings account
- Health insurance
Quick Apply
12d
Senior Commercial Real Estate Underwriter – Agency / CMBS Underwriting:
McCube Financial —Charlotte, NC
- Email
- Writing skills
- Mid-level
- Office
Non-Agency Underwriter
Orion Lending —Charlotte, NC
- Overtime
- Mid-level
- Office
- Quality control
Sr. Credit Underwriter - Custom Mortgage - Global Wealth & Investment Management
Bank of America —Charlotte, NC
- Full-time
- Background check
- Writing skills
- Mid-level
Pre-Approval Specialist
SoFi —Charlotte, NC
- Overtime
- Customer service
- Windows
- High school diploma or GED
21h
Collateral Underwriter
Orion Lending —Charlotte, NC
- Overtime
- Mid-level
- Office
- Residential
Mortgage Loan Processor
Coastal Credit Union —Raleigh, NC
- Full-time
- Hybrid work
- Office
- High school diploma or GED
- US work authorization
Title Insurance Underwriter
Investors Title Insurance Company —Durham, NC
- Full-time
- Mid-level
- Office
- Residential
- Profit sharing
- Disability insurance
Quick Apply
Underwriting Team Lead
Orion Lending —Charlotte, NC
- Overtime
- Hybrid work
- 11+ years
- Office
- Mentoring
Mortgage Processor
Primis Mortgage Company —Wilmington, NC
- 8 hour shift
- 5 years
- Writing skills
- Research
- Loan repayment program
Senior Corporate Client Specialist
First Horizon Bank —Raleigh, NC
- Office
- 3 years
- High school diploma or GED
- Wellness program
- Health savings account

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Remote Non QM Underwriter

Deephaven Mortgage LLC -
North Carolina

Quick Apply

Job Details

Full-time
From $52.88 an hour

Benefits

Health insurance
Flextime
Parental leave
401(k) matching

Qualifications

Underwriting verification process
Cash flow analysis
Income approach valuation
Loan compliance checks
Underwriting guidelines adherence
Title document review
Residential property appraisal
Financial statement analysis
Data analysis skills
Profit & loss
Document review
Real estate (financial collateral)
Financial statement interpretation
Collateral evaluation (loan underwriting)
Manual underwriting
Verification (borrower information)
Debt risk assessment
Legal compliance
Documentation reviews
Encompass

Full Job Description

Why Deephaven Mortgage?

Deephaven Mortgage has been a pioneer and leader in non-QM since our origin in 2012. Our longevity and strength in the non-QM space has allowed a significant number of borrowers to achieve homeownership who otherwise would not have under traditional requirements. Deephaven champions mortgage borrowers whose independence, entrepreneurial drive and determination are often the very reason they cannot qualify for a traditional loan.

We continuously and responsibly innovate new mortgage products and programs that put homeownership within reach of millions of borrowers and investors that need and deserve financing through lending ingenuity that is supported by common-sense underwriting.

Deephaven is comprised of two lending platforms. Our wholesale channel offers loans through a network of over 1,000 independent mortgage brokers. Our correspondent channel buys loans from over 200 correspondent partners.

Deephaven’s headquarters are in Charlotte, North Carolina. To learn more about our innovative loan solutions please visit www.deephavenmortgage.com or email us at [email protected].

Job Overview

In this role, you will be responsible for evaluating mortgage loan applications that fall outside traditional Qualified Mortgage (QM) guidelines. You will assess borrower risk based on alternative documentation, ensure compliance with company policies and investor guidelines, and play a key role in decision-making for loan approvals.

This role is remote with ability to work from any state in the U.S.

What You’ll Do

Manually underwrite mortgage loan transactions submitted by our Correspondent and Wholesale lending clients to company and investor credit guidelines
Perform quality control audits of our third-party vendor to ensure mortgage loans meet all company and investor credit guidelines and requirements
Review loan scenarios and communicate purchase/funding eligibility requirements to our Correspondent and Wholesale lending clients
Collaborate with internal staff (e.g., Underwriters, Account Managers, Processors, Closers, Operations Management, etc.) of our correspondent lending clients, brokers and third party-vendors throughout the review process to clear purchase/funding eligibility conditions.
Work closely with processing staff to clear loan conditions throughout the process
Assist in handling loan-level credit and compliance questions & issues and in the preparation and dissemination of updated mortgage underwriting and compliance standards and procedures
Analyze loan applications and conduct financial due diligence to assess the creditworthiness of borrowers and the risk associated with the loan
Evaluate multi-family properties to determine their market value, condition, and potential for generating rental income
Review financial statements, rent rolls, and property operating data to ensure that the property’s income can cover loan payments and expenses
Collaborate with account executives, clients and stakeholders to gather necessary information and provide feedback on loan applications
Recommend loan structuring and terms that mitigate potential risks while meeting the needs of borrowers and lenders
Make informed decisions about whether to approve, deny, or modify loan applications based on comprehensive analysis and risk assessment

Job Requirements

Recent, hands-on non-QM underwriting experience is required, including, but not limited to:
- DSCR
- Bank Statement (personal & business)
- P&L–only qualification
- Asset Depletion
- Multi-family
Experience underwriting HELOCs and 2nd mortgages strongly preferred
5+ years of experience as an underwriter
Ability to manually calculate income across all non-QM programs, including complex self-employed borrower profiles, layered income sources, and variable cash flow
Demonstrated ability to independently review and clear:
- Title commitments & supporting documentation
- Appraisal reports (including complex or unique property types)
- Full condo project reviews (warrantable, non-warrantable, new construction, and small projects)

Proficiency in Encompass, with the ability to navigate workflows, analyze documentation, and manage conditions efficiently
High-volume underwriting background, managing 50+ initial underwrites per month while maintaining quality, accuracy, and fast SLAs
Strong understanding of non-QM guidelines, investor overlays, compensating factors, and risk layering
Excellent communication skills with the ability to clearly document decisions and collaborate with sales, processors, and closers
Strong critical thinking, independent decision-making, and problem-solving skills
Commitment to loan quality, compliance, and responsible lending

Compensation

The sarlary range for this role begins at $52.88 per hour, plus a performance based monthly incentive plan.

This organization participates in E-Verify

Our Perks

Flexible Time to Recharge – Personalized Time Off for What Matters (because rest isn't one-size fits all)

Future Finance Focused – Generous employer-matched 401(k) plan

Community Connect– Philanthropy Committee that creates charitable initiatives

Health from Day One – Comprehensive health insurance starting on day one of employment

Family Matters – Competitive maternity and paternity leave

Culture & Celebrations – Culture Committee with team-building events and celebrations

Ideas Welcome – Encouraging thought leadership and innovation

Guidance & Growth – Mentorship opportunities for career development

Perk Up – Exclusive discounts on travel, tech, pets, legal, and more

Quick Apply

Refine Your Search

mortgage underwriter jobs in north carolina

Remote Non QM Underwriter

Mortgage Underwriter

Mortgage Underwriter

Mortgage Underwriter

Mortgage Underwriter

Mortgage Underwriter

Mortgage Loan Underwriter

Mortgage Insurance Underwriter II

Mortgage Loan Officer

Loan Processor

Senior Commercial Real Estate Underwriter – Agency / CMBS Underwriting:

Non-Agency Underwriter

Sr. Credit Underwriter - Custom Mortgage - Global Wealth & Investment Management

Pre-Approval Specialist

Collateral Underwriter

Mortgage Loan Processor

Title Insurance Underwriter

Underwriting Team Lead

Mortgage Processor

Senior Corporate Client Specialist

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