JACOB ROSA
Traverse City,MI
Summary
Non-QM mortgage professional with extensive experience in team development, credit risk analysis, guideline interpretation, and loan production. Experienced in coaching and developing underwriters, identifying process gaps, and developing solutions that improve consistency, efficiency, loan quality, and communication across departments.
Overview
6
6
years of professional experience
Work History
Non-QM Underwriter
SpringEQ
Remote
09.2025 - Current
- Underwrite Non-QM loans by evaluating creditworthiness, income, assets, liabilities, guideline eligibility, and other risk factors.
- Train and Coach new Non-QM Underwriters on guidelines, systems, processes, complex scenarios, and the rationale behind underwriting decisions.
- Identify and resolve process workflow gaps across departments to enhance operational efficiency and bridge cross-departmental gaps.
- Serve as a trusted escalation resource for Account Managers and Underwriting, providing guidance on loan-level decisions, coaching underwriters through complex issues, and supporting leadership with escalations and underwriting guidance as needed.
Senior Underwriter
A&D Mortgage
Remote
12.2023 - 09.2025
- Determining credit worthiness and risk tolerance in accordance with Conventional and Non-QM Guidelines.
- Reviewing Non-QM loans including DSCR, Bank Statement, P&L, 1099, WVOE, and Full Documentation.
- Maintaining a large pipeline of loans effectively and efficiently while providing clear and efficient communication with clients.
Credit Assistant
Bankers Healthcare Group
Remote
09.2023 - 11.2023
- Assessing overall risk based on credit, income, DTI and stability of employment.
- Calculating income following guidelines set by our consumer underwriting compliance team.
- Maintaining a meticulous balance between loan quality and production.
Senior Underwriter
United Wholesale Mortgage
Pontiac
11.2020 - 09.2023
- Analyzing exposure to loss and develop pricing, coverage, and terms and conditions for the exposure.
- Determining individual risk acceptability and implement specific action plans accordingly.
- Maintaining good rapport and positive business relationships with brokers, and mentor new underwriters.
Education
Bachelor of Applied Arts - Recreation Event Management, Business Management
Central Michigan University
MichiganSkills
- Credit Risk Analysis
- Guideline Interpretation
- Loan Quality
- Pipeline Management
- Operational Efficiency
- Process Improvement
- Escalation Management
- Broker Relationship Management
- Cross-Functional Communication
- Team Training and Development
- Operational Strategy and Execution
- Process Development and Implementation
Timeline
Non-QM Underwriter
SpringEQ
09.2025 - Current
Senior Underwriter
A&D Mortgage
12.2023 - 09.2025
Credit Assistant
Bankers Healthcare Group
09.2023 - 11.2023
Senior Underwriter
United Wholesale Mortgage
11.2020 - 09.2023
Bachelor of Applied Arts - Recreation Event Management, Business Management
Central Michigan University