Job Title: Non-QM Deal Desk Associate

Department: Sales / Operations
Reports To: Non-QM Product Manager or Director of Sales
Location: Roseville, CA and/or Hybrid
FLSA Status: Non-Exempt

Job Summary:

The Non-QM Deal Desk Associate serves as a key liaison between account executives, loan officers, and underwriting to provide scenario structuring, pricing guidance, and policy interpretation on Non-Qualified Mortgage (Non-QM) loans. This role is responsible for supporting the growth of the Non-QM pipeline by offering responsive, expert-level guidance to internal and external stakeholders.

Key Responsibilities:

Analyze and structure loan scenarios based on Non-QM guidelines and investor overlays.
Provide pricing quotes and exceptions using internal pricing engines and tools.
Communicate with Account Executives, Brokers, and Correspondents to help them understand Non-QM product eligibility and loan structuring options.
Respond promptly to scenario and guideline inquiries via phone, email, or CRM.
Work closely with underwriting to clarify or escalate unique or complex scenarios.
Maintain up-to-date knowledge of company Non-QM programs, investor guidelines, and industry trends.
Identify and escalate potential risks, guideline gaps, or market shifts to product management.
Track and report on pipeline activity, scenario volume, and trends for management insights.
Assist in updating and maintaining product matrices, scenario calculators, and internal guides.
Support training initiatives by contributing to FAQs, training decks, and knowledge bases.

Qualifications:

2+ years of mortgage experience, preferably in a Non-QM or deal desk role.
Strong understanding of Non-QM loan products (bank statement, DSCR, asset depletion, etc.).
Familiarity with AUS systems (DU, LP) and pricing engines (Optimal Blue, etc.).
Excellent communication skills (written and verbal).
High attention to detail and strong organizational skills.
Ability to work under pressure in a fast-paced environment.
Strong problem-solving and analytical thinking skills.
Proficiency in MS Office (Excel, Word, Outlook); CRM and LOS system experience a plus.

Preferred Qualifications:

Experience working at a wholesale or correspondent mortgage lender.
Exposure to multiple Non-QM investors and guideline sets.
Bachelor’s degree in Business, Finance, or related field (preferred but not required).

American Pacific Mortgage Jobs

Non-QM Deal Desk Associate*

Non-QM Deal Desk Associate*