Underwriting Manager

We are seeking a highly experienced Underwriting Manager to lead and oversee our underwriting team. The ideal candidate will bring 10+ years of mortgage underwriting experience across conforming, FHA, VA, jumbo, and non-QM loan products. This individual must have a proven track record in managing underwriters, ensuring credit quality, operational efficiency, and compliance with investor, agency, and regulatory requirements. Experience with warehouse line management is essential.

200k+ salary. The exact amount depends on applicant's qualifications

• Leadership & Team Management
• Lead, mentor, and manage a team of underwriters, fostering a culture of accountability, accuracy, and efficiency.
• Provide ongoing training and performance management to ensure high-quality credit decisions.
• Establish and monitor team productivity, turn times, and service level agreements.
• Underwriting Oversight
• Review and approve loan files for credit, collateral, and compliance with conforming, FHA, VA, jumbo, and non-QM guidelines.
• Serve as the escalation point for complex underwriting scenarios.
• Ensure adherence to investor guidelines, agency rules (Fannie Mae, Freddie Mac, FHA, VA), and company credit policies.
• Warehouse Line & Risk Management
• Oversee warehouse line utilization, collateral management, and funding requirements.
• Monitor credit risk exposure and collaborate with secondary marketing and finance teams on pipeline management.
• Implement risk controls and provide feedback to improve overall loan quality.
• Cross-Functional Collaboration
• Partner with operations, sales, compliance, and secondary marketing to support company growth while maintaining credit integrity.
• Communicate underwriting decisions effectively to internal teams, loan officers, and executives.
• Contribute to policy development and continuous process improvement initiatives.

• Minimum 10 years of progressive mortgage underwriting experience across multiple loan products (conforming, FHA, VA, jumbo, non-QM).
• Minimum 5 years in a leadership or management role, overseeing underwriting teams.
• Demonstrated experience with warehouse line oversight and loan funding operations.
• Expert knowledge of Fannie Mae, Freddie Mac, FHA, VA, and non-QM guidelines.
• Strong understanding of credit risk, collateral analysis, and income/asset review.
• Excellent written and verbal communication skills; ability to convey complex underwriting decisions clearly and professionally.
• Strong organizational skills with the ability to manage multiple priorities in a fast-paced environment.
• Proficiency in mortgage LOS platforms (e.g., Encompass, Calyx, etc.) and AUS systems (DU, LP).
• DE/CHUMS, LAPP/SAR certifications strongly preferred.
• Experience in both retail and wholesale lending environments.
• Proven success in scaling underwriting operations in high-growth mortgage companies.

• Above market salary
• HMO on Day 1 for principal and two dependents
• Government-mandated benefits
• Performance-based Incentives
• Quarterly Company Events
• 1,000 PHP De Minimis
• Equipment and software provided