Non-QM Underwriter
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Job Location:
Dallas, IA - USA
Monthly Salary:
Not Disclosed
Posted on:
9 hours ago
Vacancies:
1 Vacancy
Job Summary
Who you are:
We are seeking a highly experienced Non-QM and Non-Conforming underwriting expert who is ready to transition into a mortgage technology and pricing engine environment. This role centers on converting complex underwriting guidelines into structured logic and validating pricing/eligibility outputs. The ideal candidate has deep underwriting and credit knowledge strong communication skills and an aptitude for learning technology.
Does this sound like you If so keep reading and apply today!
What youll do:
- Serve as the subject-matter expert for investor guidelines (Non-QM Conforming Jumbo) and program eligibility.
- Analyze interpret and translate complex investor guidelines including those for bank statements DSCR P&L 1099s and asset depletion into clear structured logic for the pricing and eligibility engine.
- Update maintain and validate rules within the pricing engine to ensure all pricing (LLPAs Spec Payups) and eligibility outputs are accurate and consistent with investor requirements.
- Proactively recommend improvements to guideline logic and system behavior to enhance efficiency and accuracy.
- Monitor review and interpret all investor communications (e.g. daily emails notifications) for guideline rate sheet (LLPA) and product changes.
- Determine the pricing and eligibility impact of changes and promptly implement them within the system (Polly) including adding new products and adjusting payups often under same-day deadlines.
- Conduct systematic validation and testing of pricing and eligibility engine outputs.
- Troubleshoot and resolve escalated customer support tickets which may involve full audits of existing investor configurations for content accuracy in eligibility and pricing.
What you have:
- 7 years of recent mortgage industry experience with the last 5 years focused on Non-QM Non-Conforming and Jumbo underwriting.
- Deep practical expertise in investor guidelines for FNMA FHLMC and Non-QM programs with the ability to accurately interpret and apply them.
- Specialized experience underwriting complex income including bank statements DSCR 1099s tax returns and asset depletion.
- Technically adept and eager to transition into tech with a desire to master rule engines pricing models workflow systems and new platforms quickly. Savvy with tools like Excel.
- Analytical problem-solver with the ability to anticipate edge cases think like both an underwriter and a systems analyst and maintain a high level of detail and accuracy.
- Exceptional customer-centric communication skills combining strong writing and verbal ability with empathy diplomacy and poise under pressure to resolve issues and explain technical concepts clearly.
Why join Polly
- We are attacking a trillion-dollar market with gross inefficiencies and seeking to transform the way an entire industry operates
- We have an experienced leadership team that previously built large and impactful platforms
- Outstanding opportunity for professional growth and upward mobility
- Direct engagement with the decision makers and senior business leaders
- Competitive salaries
- 100% paid medical/vision/dental/disability/life insurance for full time employees
- Flexible vacation
Lets get to know each other.
Polly has pioneered the next generation of mortgage capital markets technology with its cutting-edge data-driven platform. Its enterprise-grade solutions including the industrys only cloud-native commercially scalable product pricing and eligibility (PPE) engine and first-of-its-kind Polly/ AI platform empower the nations top banks credit unions and mortgage lenders to increase profitability automate workflows and revolutionize the loan officer and broker experiences. As a mortgage technology trailblazer Polly is committed to driving meaningful value and ROI through best-in-class innovation that enables unlimited configurability flexibility granularity and scalability. Polly was founded by a seasoned team of mortgage capital markets and technology experts and is headquartered in San Francisco California. Recognized as a pioneer in mortgage capital markets as well as in culture and career development Polly was named to Forbes Americas Best Startup Employers in 2025. This evaluation was based on three key criteria: Employer Reputation Employee Satisfaction and Company Growth.
To learn more follow Polly on LinkedIn or visit . Polly is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race age color national origin religion sex gender identity sexual orientation marital status pregnancy status disability status veteran status or any other legally protected status. Pursuant to the San Francisco Fair Chance Ordinance we will consider for employment qualified applicants with arrest and conviction records.
Beware of recruitment scams impersonating the Polly brand or our employees. Our team communicates only through official Polly channels and we will never ask for sensitive information over text or conduct text-only interviews. If you are ever suspicious or in doubt reach out to us directly at emailprotected. We care deeply about this network and your experience.
Key Skills
- Loan Processing
- Computer Skills
- Fraud
- Math
- Banking
- Pricing
- Analysis Skills
- Fair Housing Regulations
- Underwriting
- Financial Analysis
- negotiation
- Phone Etiquette
About Company
Polly operates the industry's only vertically integrated capital markets solution with a patent-pending Product and Pricing Engine, Loan Trading Exchange, and actionable data and analytics.
