Underwriting Manager — Retail Residential Mortgage
About The Position
A federally chartered mortgage bank with a nationwide retail residential footprint is looking for a seasoned underwriting leader ready to step into a well-established, high-performing team. This is a true player/coach role where your technical underwriting expertise and leadership instincts will directly shape credit quality, turn times, and team development at scale. This lender's federal charter translates into multi-state agility, a robust product menu, and an institutional infrastructure that gives underwriting leadership the tools and authority to lead. You'll inherit a stable, experienced team of underwriters and have meaningful access to senior credit leadership. The role includes a full benefits package and a performance bonus structure.
Requirements
- Five or more years of recent, continuous experience in retail residential mortgage frontline underwriting leadership
- Demonstrated tenure and stability
- Deep, working mastery of conventional agency guidelines (Fannie Mae/Freddie Mac) and government products (FHA, VA)
- Hands-on proficiency with Encompass LOS
- Proven leadership experience managing or mentoring other underwriters, including coaching through difficult files and delivering constructive feedback
- Authorized to work in the United States
Nice To Haves
- DE, SAR and/or LAPP authority
- Experience with USDA, FHA 203(k), jumbo, construction or non-QM product lines
Responsibilities
- Lead, coach, and develop a team of retail residential underwriters — managing daily production, quality metrics, and pipeline turn times
- Partner cross-functionally with sales, processing, and operations leadership to keep file flow moving efficiently and exceptions resolved quickly
- Own the escalation queue — making sound, defensible credit decisions on elevated or exception files while documenting reasoning clearly
- Drive calibration sessions and ongoing training to keep the team aligned on agency guidelines, investor overlays, and internal credit policy
- Identify workflow inefficiencies and collaborate with ops leadership to implement process improvements that protect both speed and quality
- Serve as a credit culture ambassador — modeling sound judgment, clear communication, and a commitment to compliant, borrower-focused lending
Benefits
- Full benefits package
- Performance bonus structure
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What This Job Offers
Job Type
Full-time
Career Level
Manager
Education Level
No Education Listed
