# Senior Credit Underwriter > World Business Lenders, LLC · Guatemala City, Guatemala (Remote) · Full-time · Posted 2026-07-02 **Workplace:** remote ## Description [**About World Business Lenders**](https://wbl.com/)  - 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. ## Requirements **Education:** - Bachelor's, Associate's, or equivalent 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 c**redit 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.. ## Benefits **What We Offer** 💰 $75,000-$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!**_ ## Apply [Apply at World Business Lenders, LLC](https://apply.workable.com/commercial-lending/j/5FDF11D6A9/apply) --- Powered by [Workable](https://www.workable.com)