We are a mortgage-as-a-service platform enabling enterprises to create and offer mortgage credit products through our APIs. Our mission is to unlock access to America's largest asset class, supported by leading investors from the fintech and investment community.
About The Role
We're looking for an entrepreneurial Mortgage Underwriting Manager to join our Platform team. This role combines strategic oversight with hands-on management of third-party fulfillment providers to ensure efficient, compliant loan origination. You'll play a key role in enhancing systems and workflows for high-quality, scalable operations.
In this position, you'll shape the future of our platform by developing underwriting workflows, standard operating procedures, and quality control measures. You will provide tactical guidance to engineering teams, focusing on scalable human-out-of-the-loop solutions.
If you are passionate about building flexible automated systems with rigorous oversight, this role is for you.
About You
You have expert-level knowledge of the entire mortgage lending process, detailed underwriting knowledge specific to loan requirements, and a comprehensive understanding of federal, state, and regulatory guidelines related to residential mortgage lending.
You are a visionary leader with a clear perspective on building scalable, modular origination infrastructure.
You are comfortable operating in a highly regulated industry while optimizing for performance. You prioritize compliance, continuously review and update processes as needed.
You obsess over the customer and uphold the highest standards. You build for our customers and their borrowers, doing whatever it takes to make them successful on the platform.
You adhere to a scalable software-first approach, operational workaround last. You identify issues, lead discussions around long-term solutions, document them, and manage temporary manual workarounds if needed.
You have the ability to oversee numerous third-party fulfillment partners, ensuring high quality, on-time originations. You build deep relationships and drive consistent results.
You have strong, principled opinions that you're willing to defend. We have a culture of vigorous discussion and debate on decisions, and we'll encourage you to articulate your choices and defend them when necessary.
You have great ideas and see opportunities all around you to make the product and team better. We'll provide the environment to act on those ideas.
Key Responsibilities
Develop and implement underwriting workflows, standard operating procedures (SOPs), service level agreements (SLAs), checklists, and quality control (QC) measures to ensure high-quality and efficient loan underwriting.
Regularly assess and enhance our underwriting systems to ensure smooth file flow, high quality, regulatory compliance, and efficiency.
Oversee day-to-day operations with fulfillment partners, ensuring consistent loan delivery.
Define and monitor productivity standards and performance goals, ensuring they are met on a monthly, quarterly, and annual basis.
Conduct second-level reviews, handle exceptions, and manage escalations to ensure quality control.
Act as a subject matter expert, aiding decision-making and driving product improvement.
Work closely with internal teams, partners, and engineering to drive product improvements and optimize the fulfillment infrastructure.
Provide technical and guideline training, recommend areas of improvement, and conduct ongoing training as needed.
Maintain a comprehensive understanding of mortgage origination and regulations to ensure compliance.
Requirements
10+ years of experience in underwriting and managing underwriting teams across diverse loan types, including Conventional, Jumbo, NON-QM, and GOVT, for both purchase and refinance.
Proven track record in developing underwriting workflows, SOPs, SLAs, and QC measures.
Proficiency in configuring underwriting systems for efficiency, quality, and compliance.
Proven experience in managing and leading decentralized underwriting teams.
Experience in the management of strategic third-party fulfillment partners.
Experience working on mortgage products within a fintech environment is strongly preferred.
Benefits
Ownership: Meaningful early-stage equity.
Healthcare: Top-tier medical, vision, and dental coverage with support for dependents.
401(k): Ability to save for your future.
Flexible Time Off: Be on when you're on and off when you're off.
Hardware Allowance: $2,000 to fix up your workspace.
Annual Off-sites: Fully paid for team off-sites in beautiful locations.
At-cost Mortgages: Assistance with financing your next home when you're ready.
If you require alternative methods of application or screening, please approach us directly to request this. We are committed to providing an inclusive and accessible hiring process.
Employment Type: Full-Time
Seniority level
Mid-Senior level
Employment type
Full-time
Job function
Finance and Sales
Industries
Human Resources Services
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