Back to jobs

Underwriting Manager - Mortgage Lending

Remote (East/Central)

We are one of the country’s premier housing platforms, with a nationwide footprint and rapidly expanding mortgage operation focused on non-QM products, including DSCR, fix-and-flip/RTL, and consumer loans. We operate in a performance-driven environment with a strong emphasis on speed, quality, and risk management.

We are seeking an experienced Underwriting Manager to build, lead, and scale a high-performing underwriting organization. This role will own credit policy, underwriting quality, and decisioning speed, ensuring we balance risk management with aggressive growth targets.

Responsibilities

  • Team Leadership and Management: Build, lead, and manage a non-QM underwriting team across DSCR, RTL, and consumer products. Establish clear performance expectations and hold the team accountable to SLAs, quality standards, and productivity metrics.
  • Credit Policy Ownership: Develop, refine, and enforce underwriting guidelines across all products. Continuously evolve credit policy based on performance data, market conditions, and investor requirements.  Present guidelines and metrics to Investors and Sr Management.
  • Underwriting: Review files prior to submission to Correspondent Lenders.  Be able to articulate positions to ensure proper loan conditions and approvals. 

  • Underwriting Operations: Own end-to-end underwriting workflows, including file review, conditions, exception handling, and final credit decisions. Ensure consistent, high-quality decisioning across the portfolio.

  • Loan Delivery: Ensure loans are structured, underwritten, and delivered in line with credit policy and investor requirements. Manage conditions, exceptions, and file quality to drive clean submissions and efficient execution.

  • Turn Time & Throughput Management: Drive underwriting speed and efficiency by managing pipelines, setting SLAs, and removing bottlenecks to support origination volume.

  • Risk & Credit Oversight: Monitor portfolio performance, identify emerging risks, and implement adjustments to credit policy and underwriting standards to protect loan performance.

  • Quality Control: Establish and enforce QC processes to ensure accuracy, consistency, and compliance across all underwriting decisions.
  • Exception Management: Define and manage exception frameworks, ensuring disciplined approvals with appropriate documentation and risk controls.

  • Reporting & Analytics: Track and report on key underwriting metrics, including turn times, approval rates, exception rates, and loan performance. Provide actionable insights to leadership.

  • Compliance: Ensure all underwriting activity complies with applicable federal and state regulations, as well as internal policies and investor guidelines.

  • Cross-Functional Collaboration: Partner closely with sales, capital markets, and operations to align credit policy with growth objectives while maintaining disciplined risk management.

Qualifications

  • 10+ years of mortgage underwriting leadership experience.
  • Deep experience with non-QM products, including DSCR, bridge/RTL, and investor lending.
  • Strong understanding of credit risk, loan structuring, and income/asset analysis across complex borrower profiles.
  • Experience building or scaling underwriting teams and processes in a high-growth environment.
  • Strong familiarity with LOS systems and underwriting workflows.
  • Ability to balance speed and risk in a production-driven environment.
  • Excellent analytical, decision-making, and leadership skills.

Skills

  • Strong credit judgment and risk assessment
  • Operational leadership and process optimization
  • Data-driven decision making
  • Attention to detail and consistency
  • Ability to operate in a fast-paced, high-growth environment

Create a Job Alert

Interested in building your career at Truehold? Get future opportunities sent straight to your email.

Apply for this job

*

indicates a required field

Resume/CV*

Accepted file types: pdf, doc, docx, txt, rtf

Cover Letter

Accepted file types: pdf, doc, docx, txt, rtf

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file.

As set forth in Truehold’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law.

Select...
Select...
Race & Ethnicity Definitions

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.

Select...

Voluntary Self-Identification of Disability

Form CC-305
Page 1 of 1
OMB Control Number 1250-0005
Expires 04/30/2026

Why are you being asked to complete this form?

We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years.

Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

How do you know if you have a disability?

A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to:

  • Alcohol or other substance use disorder (not currently using drugs illegally)
  • Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS
  • Blind or low vision
  • Cancer (past or present)
  • Cardiovascular or heart disease
  • Celiac disease
  • Cerebral palsy
  • Deaf or serious difficulty hearing
  • Diabetes
  • Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders
  • Epilepsy or other seizure disorder
  • Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome
  • Intellectual or developmental disability
  • Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD
  • Missing limbs or partially missing limbs
  • Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports
  • Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS)
  • Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities
  • Partial or complete paralysis (any cause)
  • Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema
  • Short stature (dwarfism)
  • Traumatic brain injury
Select...

PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.