Underwriting Manager – Non-Agency

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

📋 Description

• Oversee Non-Delegated underwriting operations while ensuring prudent credit decisions and consistent adherence to investor guidelines.

• Deliver training, leadership, coaching, mentoring, and technical support to the underwriting team.

• Professionally represent the Company and provide outstanding customer service.

• Maintain high levels of customer service among sellers, underwriters, and operations.

• Act as a subject matter expert for Non-Agency and Non-QM products.

• Review and authorize complex, high-risk, or escalated loan scenarios.

• Keep track of pipeline volume, staffing capabilities, productivity, and service-level agreements.

• Identify operational risks and implement process enhancements to boost efficiency and scalability.

• Collaborate with Credit Risk to assess underwriting exceptions, emerging trends, and modifications to guidelines.

• Work together with Sales, Capital Markets, Operations, Quality Control, Compliance, and other business partners.

• Assist with new products and initiatives, ensuring a consistent and positive experience for correspondent sellers.

• Execute other responsibilities as assigned.

⛳️ Requirements

• A Bachelor’s Degree or equivalent relevant work experience is required.

• At least 5 years of leadership experience overseeing underwriting, operations, or mortgage fulfillment teams, including roles as a Supervisor, Manager, Senior Underwriter, or similar leadership position.

• A minimum of 3 years of direct experience with Non-QM and/or Non-Agency mortgage products, including interpretation of investor guidelines and alternative documentation programs.

• Experience leading both underwriting and operational teams within a correspondent or wholesale mortgage setting.

• Proven track record in managing operational performance, staffing, productivity, quality, and service level agreements.

• Demonstrated success in implementing operational enhancements, technology initiatives, and process improvements.

• Extensive understanding of Non-QM and Non-Agency mortgage products, including Bank Statement, DSCR, Asset Depletion, P&L, Foreign National, ITIN, Jumbo, and other alternative documentation programs.

• Strong grasp of non-delegated correspondent lending models.

• Advanced knowledge of mortgage credit analysis, income calculation, asset review, collateral analysis, and risk assessment.

• Comprehensive understanding of ATR/QM, TRID, RESPA, TILA, ECOA, Fair Lending, and investor compliance requirements.

• Strong analytical, organizational, and decision-making abilities.

• Excellent written, verbal, and executive-level communication skills.

• Proven capability to analyze operational data and leverage metrics to enhance performance.

• Demonstrated ability to lead remote and geographically dispersed teams.

• Strong project management and change management skills.

• Regular and predictable attendance at work with the ability to meet stated physical demands.

🏝️ Benefits

• Comprehensive health, dental, and vision insurance.

• Competitive salary with performance-based bonuses.

• Opportunities for professional development and career advancement.

• Flexible work schedules and remote work options.

• Generous paid time off and holiday leave.