Non-QM Product Trainer

Griffin Funding is a consumer-direct mortgage lender headquartered in San Diego, with branches in Irvine, Scottsdale, and Charlotte and licensing in 47 states plus DC. Our core is Non-QM: DSCR, bank statement, asset depletion, and 1099 loans, alongside conventional, FHA, and VA. Our borrowers are self-employed professionals, real estate investors, and retirees whose finances don't fit a standard box.

That is where you come in. As Product Trainer, reporting to our VP of Sales, you will be the person our loan officers call when a scenario gets complicated. Working alongside our branch managers, you will teach LOs how each investor and program actually works, where the guidelines differ, and how to structure and submit a complete, clean loan the first time. You will turn product knowledge into production.

If you are the person others already call when a scenario gets complicated, because you know the matrices, the overlays, and which investor will actually take the deal, this role was built for you. It rewards product depth and the patience to teach it, not origination volume.

Train loan officers on products and investors

• Build and deliver product training on our Non-QM lineup (DSCR, bank statement, P&L, asset depletion, 1099, foreign national, and interest-only options) and our agency and government programs

• Teach the differences that matter between investors: guideline nuances, overlays, reserve requirements, seasoning, LTV and FICO grids, and pricing adjustments

• Partner with branch managers to run new-hire product onboarding and ongoing training for experienced LOs

• Keep LOs current when investors change guidelines, launch programs, or update matrices, and translate those changes into plain-language guidance

Help LOs structure and submit complete loans

• Serve as the go-to resource for scenario desking: which program fits, which investor is the best execution, and what the file needs

• Coach LOs on income calculation, documentation requirements, and building a complete submission package before it reaches processing and underwriting

• Review files with LOs to catch gaps early and reduce suspenses, conditions, and fallout

• Work with processing, underwriting, and the lock desk to close the loop on recurring file issues and turn them into training

Build the training program

• Create and maintain product guides, cheat sheets, scenario libraries, and recorded walkthroughs in our training platform

• Track where LOs struggle (common conditions, product misfits, repeat questions) and build training around the patterns

• Measure training impact against file quality, pull-through, and turn times, and report results to leadership

Required

• 5+ years in mortgage lending, with at least 3 years working directly in Non-QM

• Deep, working knowledge of DSCR, bank statement, and asset-based qualification, including income calculation and documentation standards

• Experience across multiple Non-QM investors and the ability to compare their guidelines side by side

• A track record of teaching, coaching, or supporting loan originators, whether as an AE, trainer, underwriter, or senior processor

• Clear, patient communication: you can explain a complex guideline to a new LO without losing an experienced one

• Comfort building training content (guides, decks, recorded sessions) and presenting live, in person and on video

Preferred

• A reputation as the product expert on your team, the person colleagues bring their hardest scenarios to

• Underwriting or scenario desk experience

• Active or prior NMLS license

Our five core values shape who we hire and how we show up for borrowers and each other.

1. Commit to 5-Star Service. You care about getting it right for the LO and the borrower, every file.

2. GRIT. You do the work, stay disciplined, and keep going when a scenario gets hard.

3. Resourceful Problem Solvers. When the first program doesn't fit, you find the one that does.

4. Own Your Impact. You measure your success by how much better our LOs perform.

5. Growth-Minded Team Players. You share what you know, communicate clearly, and make the people around you better.

• Location: In office preferred. Remote considered for the right candidate.

• Base salary: $65,000 - $85,000, Annual Variable Compensation: $10,000 – $25,000

• Medical, dental, and vision coverage, 401(k), and paid time off

Griffin Funding, provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, Griffin Funding, complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities.

NMLS #1120111

VA Approved Lender ID: 9088650000
FHA Non-Supervised Lender No.: 01472-0000-3