Loan Exception Desk

Oversee the review, analysis, and approval recommendation process for mortgage loan exception requests within the Company's Non-QM lending platform. Assess borrower creditworthiness using compensating factors and holistic credit analysis to evaluate credit, income, asset, collateral, occupancy, reserve, and documentation exceptions. Make approval, decline, or modification recommendations based on risk-adjusted decision-making and establish consistent risk assessment methodologies across loan programs. Manage and develop a team of exception analysts and senior underwriters while acting as the final escalation point for complex scenarios. Produce and analyze exception tracking reports, monitor performance against portfolio expectations, and present risk analyses to executive management. Ensure compliance with applicable federal and state mortgage lending regulations and support internal and external audits.