Scenario Desk
$85,000–$95,000 year
RemoteUnited States or Irvine, California, United States
Job Summary
Review and assess complex Non-QM loan scenarios submitted by brokers and account executives to provide guidance on borrower eligibility, credit requirements, and loan structuring. Interpret Non-QM underwriting guidelines consistently while identifying appropriate products and developing alternative solutions for transactions outside standard parameters. Serve as the primary resource for originators seeking eligibility and guideline clarification prior to submission, partnering with sales leadership to improve conversion rates and support growth initiatives. Lead and coach Scenario Desk Analysts, establish service-level standards, and conduct quality reviews of scenario responses. Escalate complex scenarios requiring policy clarification and collaborate with Credit Policy and Underwriting leadership on guideline updates and product enhancements.
Required Qualifications
- Proficiency with mortgage loan origination systems (LOS)
- Strong knowledge of underwriting guidelines and income calculation methodologies
- Ability to interpret program matrices and overlays
- Experience using pricing engines and eligibility tools
- Advanced Microsoft Excel and reporting skills
- 7+ years of mortgage lending experience
- 5+ years of Non-QM underwriting, credit, scenario desk, or sales support experience
Desired Qualifications
- 3+ years of team leadership or management experience preferred
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