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Underwriting Manager – Retail Residential Mortgage
The Mortgage Talent NetworkUnderwriting Manager overseeing a high-performing team of retail residential underwriters. Responsible for coaching, quality metrics, and ensuring efficient workflow in the underwriting process.
About the role
Key responsibilities & impact- Lead, coach, and develop a team of retail residential underwriters — managing daily production, quality metrics, and pipeline turn times
- Partner cross-functionally with sales, processing, and operations leadership to keep file flow moving efficiently and exceptions resolved quickly
- Own the escalation queue — making sound, defensible credit decisions on elevated or exception files while documenting reasoning clearly
- Drive calibration sessions and ongoing training to keep the team aligned on agency guidelines, investor overlays, and internal credit policy
- Identify workflow inefficiencies and collaborate with ops leadership to implement process improvements that protect both speed and quality
- Serve as a credit culture ambassador — modeling sound judgment, clear communication, and a commitment to compliant, borrower-focused lending
Requirements
What you’ll need- Five or more years of recent, continuous experience in retail residential mortgage frontline underwriting leadership
- Demonstrated tenure and stability
- Deep, working mastery of conventional agency guidelines (Fannie Mae/Freddie Mac) and government products (FHA, VA)
- Hands-on proficiency with Encompass LOS
- Proven leadership experience managing or mentoring other underwriters, including coaching through difficult files and delivering constructive feedback
- Candidates must be authorized to work in the United States
- Preferred — not required, but will make you stand out: - DE, SAR and/or LAPP authority - Experience with USDA, FHA 203(k), jumbo, construction or non-QM product lines
Benefits
Comp & perks- Full benefits package
- Performance bonus structure
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
retail residential mortgage underwritingconventional agency guidelinesFannie MaeFreddie MacFHAVAUSDAFHA 203(k)jumbonon-QM
Soft Skills
leadershipcoachingcommunicationproblem-solvingcollaborationdecision-makingquality managementprocess improvementmentoringjudgment
Certifications
DE authoritySAR authorityLAPP authority