Mortgage Underwriting Manager

This is a fully remote position, open to applicants in India.

📋 Description

• Assemble and lead a team of mortgage underwriters tasked with ensuring the quality of Ocrolus mortgage products.

• Recruit, onboard, mentor, and oversee team performance.

• Promote ongoing professional growth and development.

• Manage workforce planning, assess capacity, and ensure quality coverage.

• Act as the senior subject matter expert in underwriting for complex scenarios.

• Supervise daily evaluations of production loan samples from representatives.

• Confirm the accuracy and consistency of outputs related to mortgage products.

• Enhance uniformity in quality assurance scoring, documentation, and root cause analysis.

• Detect trends, recurring issues, and opportunities for product enhancement.

• Differentiate between isolated incidents and systemic product deficiencies through data-driven analysis.

• Convert underwriting insights into actionable recommendations for Engineering and Product teams.

• Collaborate with Product, Engineering, Machine Learning, and Customer Success teams.

• Advocate for underwriting quality during product planning processes.

• Assist customer-facing teams by providing underwriting expertise for complex inquiries and escalations.

⛳️ Requirements

• Over 8 years of experience in residential mortgage underwriting, with substantial agency lending experience.

• At least 3 years of experience in managing or leading teams of mortgage underwriters or quality assurance professionals.

• Profound knowledge in borrower eligibility, income analysis, asset verification, credit evaluation, collateral assessment, appraisal review, underwriting conditions, and interpretation of agency guidelines.

• Proven capability to identify trends and conduct root cause analysis.

• Ability to translate findings into process or technology enhancements.

• Outstanding written and verbal communication skills.

• Skill in simplifying intricate underwriting concepts for technical audiences.

• Strong analytical mindset with experience in utilizing data to pinpoint quality trends.

• Familiarity with Loan Origination Systems such as Encompass and Byte.

• Experience with mortgage technology platforms.

• Experience collaborating with Product or Engineering teams is highly preferred.

🏝️ Benefits

• Remote-first company culture.

• Opportunities for skill development.

• Ownership of projects.

• Significant impact on the organization.

• Inclusive workplace environment.