Underwriting Manager (Hybrid)
About The Position
OnDeck, an Enova company, is seeking an Underwriting Manager to oversee the production, quality, and performance of small business loan decisioning. The manager leads Underwriting Supervisors and Team Leads, develops front-line managers, sets operational strategy, and drives team performance. The role reports to the Senior Manager of Underwriting and serves as the culture champion and leader for the Utah office, fostering employee engagement and collaboration. It also owns operational execution, escalations, cross-functional coordination, workforce planning, and leadership pipeline development.
Requirements
- At least 5 years of underwriting experience in small business or commercial lending.
- At least 7 years of people-management experience, including some experience managing other managers or team leads.
- Strong command of small-business credit fundamentals, including cash flow analysis, financial statement review, and risk assessment.
- Ability to develop leaders by setting clear expectations, giving direct feedback, and building capability over time.
- Operational mindset, with comfort using metrics, designing processes, and driving accountability at scale.
- Strong communication skills and ability to translate between frontline execution and senior leadership expectations.
- Experience working in a high-volume, technology-enabled lending environment.
Nice To Haves
- Background in fintech or online lending platforms.
- Familiarity with automated decisioning and the intersection with manual underwriting.
- Exposure to fair lending or small-business compliance requirements, such as Regulation B.
Responsibilities
- Serve as the culture champion and leader for the Utah office, fostering collaboration, employee engagement, and community across teams.
- Lead, coach, and develop Underwriting Supervisors and Team Leads so they can effectively manage their production underwriting teams.
- Establish consistent workflows, quality standards, and throughput targets across underwriting pods, translating organizational strategy into daily execution.
- Act as the senior escalation point for complex decisions beyond direct reports’ authority and partner with Credit & Risk on policy clarity and alignment.
- Collaborate with Sales, Product, Compliance, and Operations to improve the borrower experience and optimize automated and manual decisioning.
- Own capacity modeling, scheduling, and talent acquisition to build a resilient leadership pipeline for the growing Utah site.
Benefits
- Health, dental, and vision insurance, including mental health benefits.
- 401(k) matching with a Roth option for U.S.-based employees.
- Paid time off and paid holidays.
- Sabbatical program for eligible roles.
- Summer hours for eligible roles.
- Paid parental leave.
- Diversity, equity, and inclusion employee groups.
- Employee recognition and rewards program.
- Charitable matching and a paid volunteer day.
- Additional compensation may include a bonus and restricted stock units.
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What This Job Offers
Job Type
Full-time
Career Level
Manager
Education Level
No Education Listed
