Underwriting Manager

Underwriting Manager

We are seeking a highly experienced Underwriting Manager to lead and oversee our underwriting team. The ideal candidate will bring 10+ years of mortgage underwriting experience across conforming, FHA, VA, jumbo, and non-QM loan products. This individual must have a proven track record in managing underwriters, ensuring credit quality, operational efficiency, and compliance with investor, agency, and regulatory requirements. Experience with warehouse line management is essential. 200k+ salary. The exact amount depends on applicant's qualifications.

Key Responsibilities

Leadership & Team Management

• Lead, mentor, and manage a team of underwriters, fostering a culture of accountability, accuracy, and efficiency.
• Provide ongoing training and performance management to ensure high-quality credit decisions.
• Establish and monitor team productivity, turn times, and service level agreements.

Underwriting Oversight

Warehouse Line & Risk Management

Cross-Functional Collaboration

Skills, Knowledge and Expertise

Minimum 10 years of progressive mortgage underwriting experience across multiple loan products (conforming, FHA, VA, jumbo, non-QM).

Minimum 5 years in a leadership or management role, overseeing underwriting teams.

Demonstrated experience with warehouse line oversight and loan funding operations.

Expert knowledge of Fannie Mae, Freddie Mac, FHA, VA, and non-QM guidelines.

Strong understanding of credit risk, collateral analysis, and income / asset review.

Excellent written and verbal communication skills; ability to convey complex underwriting decisions clearly and professionally.

Strong organizational skills with the ability to manage multiple priorities in a fast-paced environment.

Proficiency in mortgage LOS platforms (e.g., Encompass, Calyx, etc.) and AUS systems (DU, LP).

DE / CHUMS, LAPP / SAR certifications strongly preferred.

Experience in both retail and wholesale lending environments.

Proven success in scaling underwriting operations in high-growth mortgage companies.

Benefits

Above market salary

HMO on Day 1 for principal and two dependents

Government-mandated benefits

Performance-based Incentives

Quarterly Company Events

1,000 PHP De Minimis

Equipment and software provided

About NightOwl Consulting

NightOwl Consulting was born from the desire for more! As prior clients of a BPO, we found ourselves struggling with support, understanding of our business industry, and the treatment of our global family from this, NightOwl Consulting was born. Our mission is to connect companies with world-class talent with the overall vision to build a global family that aspires to reach its highest potential.