Wholesale Underwriter

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Baltimore, MD, USA
In-Office
Fintech • Software • Financial Services
The Role
Who We Are:
Dominion Financial Wholesale
(DFW) is a nationally recognized Non-QM lender dedicated to serving consumer mortgage brokers. Specializing in DSCR and alternative-qualification loan products, we provide flexible, client-focused financing solutions that help brokers grow their businesses and close more deals. We’re expanding rapidly and looking for a detail-oriented Underwriter to join our team and support our mission of delivering speed, service, and reliability—where brokers win.
Our Company’s Core Values:
  • Integrity
  • Accountable & Dependable
  • Team Centric
  • System & Process Oriented
  • Service Ethic
  • Organized Efficiency - Risk Management & Compliance

Your Impact:
  • Ensure the integrity of mortgage underwriting decisions that directly affect loan quality and investor trust
  • Drive efficient and compliant underwriting processes to support rapid loan decisioning and broker satisfaction

In This Role You Will:
  • Review and assess mortgage loan applications to determine eligibility and risk
  • Analyze financial documents such as tax returns, bank statements, appraisals, and credit reports
  • Make informed underwriting decisions based on company guidelines, program requirements, and applicable regulations
  • Collaborate with loan officers, processors, and other stakeholders to clarify and gather required documentation
  • Maintain complete, accurate records of underwriting decisions and conditions
  • Stay current on industry regulations, Non-QM program changes, and underwriting best practices
  • Support a team-oriented, solutions-driven underwriting environment
  • Perform other underwriting-related duties as assigned by management

Requirements:
  • Bachelor’s degree or 5+ years of mortgage underwriting experience
  • Minimum of 5 years as a Mortgage Underwriter with demonstrated ability to manage complex underwriting scenarios
  • Strong experience underwriting Non-QM products (bank statement, asset depletion, DSCR, 1099, and P&L loans)
  • Manual underwriting experience required
  • Recent underwriting experience (within the past 6 months)
  • Expert understanding of both Agency and Non-QM lending guidelines and compliance requirements
  • Proficiency with mortgage software systems, including Encompass and Mavent
  • Exceptional analytical, organizational, and decision-making skills
  • Clear, professional communication skills, both written and verbal
  • High attention to detail and accuracy

Benefits:
  • Health insurance
  • Dental insurance
  • Vision insurance
  • 401(k)
  • 401(k) matching
  • Paid time off

While At Dominion You Will Enjoy
  • Company outings & social events 
  • Virtual events 
  • Companywide competitions and raffles 
  • Personal financial workshops
  • Orioles season tickets

 
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The Company
114 Employees

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