Evaluating mortgage loan applications for multi-unit residential properties, the full-time California Licensed Mortgage Underwriter will assess risk and compliance for 5-10 unit properties while working remotely. Key responsibilities Review and analyze mortgage loan applications and supporting documentation for 5-10 unit properties Assess borrower creditworthiness and the property's financial performance, including projected rental income and Debt Service Coverage Ratio (DSCR) Make informed loan decisions based on comprehensive risk assessments and ensure compliance with lending guidelines Required qualifications A bachelor's degree in a related field is often preferred Non-QM experience as a mortgage underwriter, particularly with multifamily or commercial real estate loans Strong analytical skills for assessing financial data and risk, with knowledge of lending guidelines and regulations Familiarity with financial metrics such as NOI and DSCR Knowledge of local real estate markets and property management is beneficial