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Open nowPosted 11 hours ago

Senior Credit Underwriter

Workable (global search)107,808 open roles

Where
Denver, CO, United States
Work mode
Remote
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Your applicationOpen nowSenior Credit UnderwriterWorkable (global search) · Denver, CO, United States

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The clock on this job

Early applications get read.

8.0% of postings close within 7 days. Measured by our own scanner across the market. Workable (global search) postings stay open a median of 2 days.

Share of postings closed within
  1. 1.6%1 day
  2. 3.6%3 days
  3. 8.0%7 days
  4. 15.0%14 days
  5. 34.2%30 days
This job: posted 11 hours ago

Workable (global search) median: 2 days open

The posting

About World Business Lenders

  • At World Business Lenders (WBL), we provide flexible, short-term commercial loans backed by real estate to help small and medium-sized businesses across the United States — particularly those facing difficulties with traditional financing. We're a fast-moving, results-driven organization that takes security seriously as we continue to grow.
  • This is a Full-Time Independent Contractor role with working hours from 9:00 AM – 6:00 PM Eastern Standard Time, Monday through Friday. We request that all CVs be submitted in English.

About the Role

  • The Senior Credit Underwriter is responsible for leading complex credit underwriting activities while serving as a trusted advisor to the Chief Lending Officer. This role provides expertise in Non-QM mortgage lending, evaluates complex borrower scenarios, structures credit solutions, and supports sound lending decisions that balance risk and business objectives.
  • In addition to underwriting, the role oversees underwriting teams, mentors junior underwriters, drives process improvements, and collaborates cross-functionally to improve credit quality, operational efficiency, and funded loan volume..

What You'll Be Doing (Key Responsibilities)

  • Act as the Chief Lending Officer's 'right hand' trusted advisor.
  • Perform early credit assessments ("shift-left") before processing is complete.
  • Rework denied loans into approvable structures where possible.
  • Recommend counteroffers that reduce risk while preserving profitability.
  • Identify compensating factors to strengthen borderline files.
  • Consult with Sales on structuring loans before submission.
  • Participate in daily pipeline review meetings.
  • Assist in developing underwriting guidelines and SOPs.
  • Analyze trends in denials and fallout to recommend policy or process changes.
  • Support automation efforts by documenting underwriting decision logic.
  • Serve as the subject matter expert for complex borrower scenarios.

Requirements

Education:

  • Bachelor's or Associate's degree.

Experience:

  • 10+ years of progressive underwriting experience in non-QM mortgage lending.

Must-Have Requirements

Please ensure you meet all of the following before applying:

  • 10+ years of progressive underwriting experience in Non-QM residential mortgage lending.
  • Proven expertise in credit analysis, risk assessment, and loan structuring, with the ability to evaluate complex borrower scenarios and develop viable lending solutions.
  • Strong knowledge of Non-QM loan products, including DSCR, Bank Statement, Asset Depletion, Foreign National, ITIN, and other alternative documentation programs.
  • Experience interpreting credit policies, underwriting guidelines, and applicable mortgage regulations (e.g., ATR/QM, TRID, RESPA, TILA), with the ability to make sound, consistent credit decisions..

Remote Work Requirements

  • Stable, reliable internet connection.
  • Professional and dedicated remote working setup.

Preferred Background / Industry Experience:

  • Non QM residential mortgage lending / MCA lending.

Key Soft Skills:

  • Critical Thinking – Evaluates complex borrower scenarios, weighs risk objectively, and makes sound credit decisions based on facts rather than assumptions.
  • Analytical Mindset – Identifies trends, assesses layered risk, and connects multiple data points to determine overall creditworthiness.
  • Sound Judgment – Balances prudent risk management with business objectives, knowing when to approve, restructure, or decline a loan.
  • Problem Solving – Finds creative, policy-compliant solutions to structure challenging loans instead of defaulting to denial.
  • Attention to Detail – Thoroughly reviews financials, documentation, and loan files to identify inconsistencies, omissions, or potential risks.
  • Communication – Clearly explains underwriting decisions, credit rationale, and conditions to Sales, Processing, and leadership.
  • Collaboration – Partners effectively with Sales, Processing, Valuation, Legal, and Closing to move loans efficiently while maintaining credit quality.
  • Decision Making Under Pressure – Makes timely, confident decisions in a fast-paced environment without sacrificing accuracy or consistency.
  • Coaching & Mentorship – Develops junior underwriters by sharing expertise, reinforcing best practices, and promoting consistent credit decisions.
  • Integrity & Accountability – Demonstrates strong ethical standards, takes ownership of decisions, and consistently applies credit policy with fairness and discipline.

Specific Technical Skills Needed:

  • Credit Analysis & Risk Assessment – Expertise in evaluating borrower creditworthiness, repayment capacity, collateral, and layered risk.
  • Non-QM Underwriting – Deep knowledge of Non-QM products, including DSCR, Bank Statement, Asset Depletion, Foreign National, ITIN, and other alternative documentation programs.
  • Income, Asset & Cash Flow Analysis – Ability to analyze tax returns, business financials, bank statements, P&Ls, CPA letters, and asset documentation.
  • Collateral & Valuation Review – Experience reviewing appraisals, BPOs, AVMs/IVDs, title reports, LTV/CLTV calculations, and collateral risk.
  • Loan Structuring – Ability to restructure marginal loans, evaluate compensating factors, and develop counteroffers that meet credit policy while maximizing approvals.
  • Credit Policy & Guideline Interpretation – Strong understanding of internal credit policies, investor overlays, and regulatory requirements, with the ability to consistently apply judgment.
  • Regulatory Compliance – Working knowledge of ATR/QM, TRID, RESPA, TILA, Fair Lending, and applicable federal and state lending regulations.
  • Financial & Data Analysis – Advanced proficiency in Excel and the ability to analyze underwriting metrics, portfolio trends, and credit performance.
  • Exception & Portfolio Management – Experience evaluating policy exceptions, monitoring portfolio credit quality, and supporting quality control and audit reviews.
  • Loan Origination Systems (LOS) – Hands-on experience with Encompass, Byte, LendingPad, or similar LOS platforms, including underwriting workflow and condition management.

Benefits

What We Offer

💰 Compensation includes a base salary at $65,000-$85,000.

🏖️ Benefits include medical, dental, vision, life, and disability coverage; a 401(k) with company match; and paid holidays and paid time off (PTO).

🌍 Work Environment: Fully remote work environment, with occasional travel as needed for leadership off-sites and corporate events.

Ready to Apply?

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