Underwriting Manager | Sage Home Loans

Red Ventures • Charlotte, NC

3d • Hybrid

About The Position

Sage Home Loans is redefining the mortgage experience by combining innovative technology with exceptional human expertise. As an Underwriting Manager, you’ll lead and develop a team of underwriters responsible for delivering high-quality, compliant residential mortgage decisions with both speed and precision. This role balances people leadership and hands-on underwriting expertise, partnering closely with cross-functional teams to improve processes, raise quality standards, and ensure we consistently win the right way—for our clients and our teammates.

Requirements

• Prior leadership experience within a residential mortgage underwriting function.
• Experience underwriting loans for sale in the secondary market and for portfolio retention.
• Strong expertise evaluating residential mortgage and home equity loan applications.
• Proven ability to analyze complex data, investor guidelines, and technical issues to reach sound underwriting decisions.
• Working knowledge of Agency, FHA, VA, Jumbo, and investor overlay requirements.
• Strong communication skills and the ability to collaborate effectively with loan officers, vendors, and internal partners.
• Comfort working with PC-based software applications, including Word and Excel.
• College coursework in Business Administration or a related field, or equivalent experience.
• A leadership approach grounded in accountability, coaching, and continuous improvement.

Responsibilities

• Lead, coach, and support a team of underwriters reviewing residential real estate–secured loans, including Conventional, FHA, VA, and Jumbo products.
• Monitor underwriting queues, productivity, and SLA performance, adjusting resources in real time to meet business needs.
• Serve as a subject matter expert in residential underwriting, maintaining deep knowledge of Agency, FHA, VA, Jumbo, and investor-specific overlays.
• Utilize both manual and automated underwriting systems to determine appropriate conditions and loan decisions in accordance with investor guidelines.
• Approve loans within delegated lending authority, review and sign off on secondary market loan denials, and escalate loans above authority as needed.
• Review, trend, and remediate quality control findings, post-close purchase delays, and repurchase demands.
• Drive operational initiatives, benchmarks, and performance metrics to improve quality, efficiency, and consistency across the underwriting team.
• Identify and lead process improvement efforts in partnership with cross-functional leaders to optimize the origination experience.
• Support the development, documentation, and refinement of underwriting processes and technology enhancements.
• Assist with training and knowledge-sharing initiatives within underwriting and across partner departments.
• Operate effectively within an automated underwriting environment and an Encompass-based lender platform.

Benefits

• Health Insurance Coverage (medical, dental, and vision)
• Life Insurance
• Short and Long-Term Disability Insurance
• Flexible Spending Accounts
• Holiday Pay
• 401(k) with match
• Employee Assistance Program
• Paid Parental Bonding Benefit Program
• Flexible Paid Time Off (PTO): We believe time to rest and recharge is essential. That’s why we offer a generous and flexible PTO policy. Full-time employees accrue 20 days of PTO for a full calendar year annually, with an increase to 25 days after five years of service.

What This Job Offers

• Job Type: Full-time
• Career Level: Manager
• Education Level: Associate degree