Underwriting Manager

Cornerstone Capital Bank

Residential Underwriting Manager at Cornerstone Home Lending managing underwriting team and ensuring compliant mortgage credit decisions. Leading operational support and continuous process improvement.

Posted 7/24/2026full-timeRemote • 🇺🇸 United StatesSeniorLeadWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive knowledge of residential mortgage underwriting guidelines, including Fannie Mae, Freddie Mac, FHA, VA, USDA, Jumbo, and Non-QM products. Proven leadership in managing and developing underwriting teams while ensuring compliance with federal and state lending regulations.

Highest-signal resume keywords

Residential Mortgage UnderwritingUnderwriting LeadershipCredit AnalysisDE CertificationCompliance with Lending Regulations

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Underwriting GuidelinesCredit Policy InterpretationIncome CalculationAsset ReviewCollateral EvaluationRisk AssessmentPerformance EvaluationException ManagementMortgage OperationsSecondary Market Requirements

Soft Skills

LeadershipCoachingTeam DevelopmentAnalytical SkillsEffective Communication

Certifications & Qualifications

DE CertificationVA SAR Designation

Industry Keywords

RESPATILA/TRIDECOAFair LendingHMDAAnti-Money LaunderingDelegated Underwriting AuthorityHigh-Balance LoansComplex Loan FilesPerformance Expectations

About the role

Key responsibilities & impact

Manage, coach, mentor, and develop a team of residential mortgage underwriters.
Monitor underwriting pipelines and workload distribution to ensure timely loan decisions.
Serve as a subject matter expert for underwriting guidelines and credit policy interpretation.
Conduct performance evaluations and establish performance expectations and accountability measures.
Ensure accurate and consistent underwriting decisions in accordance with agency, investor, and company guidelines.
Review and approve complex, high-balance, exception, and escalated loan files.
Provide guidance and support on challenging credit, income, asset, collateral, and compliance scenarios.
Maintain a thorough understanding of underwriting guidelines for: Fannie Mae, Freddie Mac, FHA, VA, USDA, Jumbo and Non-QM products.
Ensure compliance with federal and state lending regulations, including: RESPA, TILA/TRID, ECOA, Fair Lending requirements, HMDA, Anti-Money Laundering (AML) requirements.
Partner with Sales and Operations leadership to balance production goals and credit risk.
Evaluate and manage exception requests within delegated authority limits.
Assist with recruiting, onboarding, training, and retention of underwriting staff.

Requirements

What you’ll need

Bachelor's degree in Business, Finance, Accounting, Economics, or related field preferred.
Equivalent mortgage lending experience may be considered in lieu of degree requirements.
Minimum 7-10 years of residential mortgage underwriting experience.
Minimum 3-5 years of underwriting leadership or management experience.
DE (Direct Endorsement) Certification preferred.
VA SAR (Staff Appraisal Reviewer) designation preferred.
Extensive knowledge of agency, government, jumbo, and non-QM underwriting guidelines.
Experience working within delegated underwriting authority environments.
Strong understanding of mortgage operations and secondary market requirements.
Strong credit analysis and risk assessment skills.
Deep understanding of income calculation, asset review, and collateral evaluation.
Excellent leadership, coaching, and team development abilities.
Strong analytical and problem-solving skills.
Effective communication and conflict-resolution skills.
Ability to manage multiple priorities in a fast-paced environment.

Benefits

Comp & perks

Medical
Dental
Vision
Accidental Death
Long-Term Disability
Short-Term Disability
FSA
HSA
401K
Basic Life
Voluntary Life
Paid Parental Leave