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 qualificationsKey Responsibilities • 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. Skills, Knowledge and Expertise • 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. Benefits • 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