Underwriting Manager
Location: Remote, U.S.
Employment Type: Full-time
Compensation: Competitive base salary + equity/benefits
About the Opportunity
A rapidly growing mortgage technology company is looking for an Underwriting Manager to lead and develop a high-performing underwriting function. This is an opportunity to join a technology-forward organization that is modernizing the mortgage process and building a scalable lending platform.
The ideal candidate is an experienced mortgage underwriting leader who combines strong credit and underwriting expertise with people leadership, operational discipline, and a continuous-improvement mindset.
You will oversee day-to-day underwriting operations, support complex or escalated loans, coach and develop underwriters, and partner closely with operations, sales, closing, and product/technology teams to improve quality, speed, and consistency throughout the lending process.
What You'll Do
- Lead and manage a team of mortgage underwriters, providing coaching, mentorship, feedback, and performance management
- Oversee daily underwriting production and ensure loans move efficiently through the pipeline
- Review and support escalated or complex loan scenarios and provide guidance on credit and underwriting decisions
- Ensure underwriting decisions are consistent with applicable agency, investor, regulatory, and company guidelines
- Monitor underwriting quality, productivity, turn times, and other key performance metrics
- Identify bottlenecks and opportunities to improve underwriting workflows, processes, and controls
- Develop and maintain underwriting procedures, guidelines, and SOPs
- Partner closely with processing, closing, post-closing, sales, and operations leadership to resolve issues and keep loans moving
- Work cross-functionally with product and technology teams to identify opportunities for automation and workflow improvements
- Help build scalable underwriting processes as the company grows
- Stay current on changes to agency, investor, regulatory, and credit guidelines
- Promote a culture of accountability, accuracy, collaboration, and continuous improvement
What We're Looking For
- 7+ years of mortgage underwriting experience, with meaningful experience in a senior or leadership capacity
- Prior experience managing, mentoring, or leading mortgage underwriters
- Strong knowledge of residential mortgage underwriting and credit guidelines
- Experience with conventional, FHA, VA, and/or other relevant loan products
- Strong understanding of income, assets, credit, liabilities, DTI, LTV/CLTV, appraisal, and overall credit risk assessment
- Experience handling complex files, exceptions, and escalations
- Strong knowledge of agency and investor requirements
- Proven ability to manage underwriting pipelines while maintaining high quality and compliance standards
- Strong analytical and problem-solving skills
- Excellent communication and stakeholder-management skills
- Comfortable working in a fast-paced, technology-driven environment
- A process-improvement mindset with the ability to identify opportunities to make underwriting more efficient and scalable
Nice to Have
- Experience in a fintech, mortgage technology, or high-growth lending environment
- Experience building or scaling an underwriting team
- Experience developing underwriting SOPs, policies, or quality-control processes
- Encompass or other mortgage LOS experience
- Experience partnering with product, engineering, or operations teams on workflow automation
- Experience working with non-QM or other specialized lending products
