Islamabad, Islamabad Capital Territory, Pakistan · Remote Solely
$75k–$100k/yr
Senior+$55M raised
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…
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…
Brasília, Federal District, Brazil · Remote Solely
$75k–$100k/yr
Senior+$55M raised
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…
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…
Guatemala City, Guatemala, Guatemala · Remote Solely
$75k–$100k/yr
Senior+$55M raised
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…
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…
Skills: Non-QM Mortgage Expertise, Pipeline Management, Loan Origination Systems, Regulatory Compliance, Title and Escrow
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…
Philadelphia, Pennsylvania, United States · Remote Solely
$70k–$85k/yr
Senior+$55M raised
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…
Philadelphia, Pennsylvania, United States · Remote Solely
$70k–$85k/yr
Senior+$55M raised
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…
Philadelphia, Pennsylvania, United States · Remote Solely
$70k–$85k/yr
Senior+$55M raised
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…
Maryland City, Maryland, United States · Remote Solely
$70k–$85k/yr
Senior+$55M raised
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…
Maryland City, Maryland, United States · Remote Solely
$70k–$85k/yr
Senior+$55M raised
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…
Skills: Non-QM Mortgage Expertise, Pipeline Management, Loan Origination Systems, Regulatory Compliance, Title and Escrow
Maryland City, Maryland, United States · Remote Solely
$70k–$85k/yr
Senior+$55M raised
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…
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…
Skills: Non-QM Mortgage Expertise, Pipeline Management, Loan Origination Systems, Regulatory Compliance, Title and Escrow
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…
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…
World Business Lenders — About Us World Business Lenders (WBL) is proud to offer short-term, real estate-backed commercial loans to a diverse range of small and medium-sized businesses across the United States, especiall…
Skills: Title Clearance, Team Leadership, Workload Management, SLA Monitoring, Regulatory Compliance
World Business Lenders — About Us World Business Lenders (WBL) is proud to offer short-term, real estate-backed commercial loans to a diverse range of small and medium-sized businesses across the United States, especiall…
Skills: Title Clearance, Team Leadership, Workload Management, SLA Monitoring, Regulatory Compliance
World Business Lenders, LLC — About UsAt 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 — particula…
World Business Lenders, LLC — About UsAt 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 — particula…
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$75k–$100k/yr
Full-time
associate degree, bachelor degree
Paid Time Off (PTO)
Posted 35d ago
~40 hrs/week
Remote in Islamabad, Islamabad Capital Territory, Pakistan
Responsibilities
Lead complex credit underwriting activities for Non-QM mortgage lending and serve as a trusted advisor to the Chief Lending Officer. Oversee underwriting teams, mentor junior staff, and collaborate cross-functionally to improve credit quality and loan volume.
Requirements
Requires over 10 years of progressive underwriting experience in Non-QM residential mortgage lending with deep expertise in various alternative documentation programs. Must possess strong knowledge of mortgage regulations such as ATR/QM, TRID, and RESPA.
Full job description
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.
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.
What We Offer
💰 $80,000-$100,000 annually.
🏖️ Paid Time Off (PTO).
🌍 Fully remote — work from wherever you do your best work!
Ready to Apply?
If this sounds like you, we'd love to hear from you - submit your CV in English and hit Apply!
Related keywords
Non-QMDSCRBank Statement LoansAsset DepletionForeign National LoansITINATR/QMTRIDRESPATILAEncompassByteLendingPadLTV/CLTVBPOAVM/IVD
At World Business Lenders (WBL) Our motto, 'We Lend. You Grow' is simple, yet powerful. We make working capital available to eligible businesses for expansion and growth.
WBL was founded by a seasoned team of entrepreneurs with strong track records of launching, financing and growing successful small businesses. We understand what businesses need in terms of working capital, and are well-aware of how little is actually available for small businesses in the current marketplace. WBL understands how additional working capital can help you navigate your business to maximum success.
Our unique approach to lending makes your business the focal point for loan decisions. Instead of concentrating on personal assets and a business owner's credit score, we believe the history and financial performance of your business should outweigh all other factors in our decision making process.
WBL bases each loan decision on your business’s ability to make affordable daily payments to satisfy the loan. While there are many challenges small business owners face, WBL believes access to working capital shouldn't be one of them.
WBL's sole focus is making loans to small businesses. This is all we do!
We Lend. You Grow.
Offices: P.O. Box 479, Elmsford, Ny 10523, US
Access to Working Capital for Small BusinessesTailored Small Business LoansBusiness LoansBusiness FinancingAlternative Business LoanBusiness FundingLoans Based on Cash Flowand Bad Credit Business LoansSmall and Medium BusinessesBuilding Material
At World Business Lenders (WBL) Our motto, 'We Lend. You Grow' is simple, yet powerful. We make working capital available to eligible businesses for expansion and growth.
WBL was founded by a seasoned team of entrepreneurs with strong track records of launching, financing and growing successful small businesses. We understand what businesses need in terms of working capital, and are well-aware of how little is actually available for small businesses in the current marketplace. WBL understands how additional working capital can help you navigate your business to maximum success.
Our unique approach to lending makes your business the focal point for loan decisions. Instead of concentrating on personal assets and a business owner's credit score, we believe the history and financial performance of your business should outweigh all other factors in our decision making process.
WBL bases each loan decision on your business’s ability to make affordable daily payments to satisfy the loan. While there are many challenges small business owners face, WBL believes access to working capital shouldn't be one of them.
WBL's sole focus is making loans to small businesses. This is all we do!
We Lend. You Grow.
Offices: P.O. Box 479, Elmsford, Ny 10523, US
Access to Working Capital for Small BusinessesTailored Small Business LoansBusiness LoansBusiness FinancingAlternative Business LoanBusiness FundingLoans Based on Cash Flowand Bad Credit Business LoansSmall and Medium BusinessesBuilding Material