Sr. Manager of Mortgage Lending Underwriting
Sr. Manager of Mortgage Lending Underwriting
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Job Description
About the Company
Valon is building the AI-native operating system for regulated finance starting with mortgage servicing.
Were a Series C company backed by a16z transforming industries that others have written off as too complex to innovate.
Rather than build on top of broken legacy systems we took a different approach: we built and operate our own mortgage servicing business managing $110 billion in loans. This wasnt the end goal it was how we deeply understood the complexity needed to build software that actually works in regulated industries.
The results speak for themselves. Weve transformed mortgage servicing from a 0% margin business into 60% margins while dramatically improving customer experience. Major enterprise contracts are now deploying across the industry.
ValonOS is our unified platform that makes every process structured and programmable and it is perfectly positioned for the AI era. When everything flows through one system with rich data AI agents dont just automate tasks they continuously improve entire operations. Mortgage servicing is just the beginning of our vision to transform regulated industries and beyond.
Lending at Valon
Valon is currently scaling up its mortgage lending business which aims to provide Valon homeowners the ability to access low cost and streamlined mortgage loans and Valon partners tools to retain customers. As a member of the Lending team you will be directly involved in making it faster easier and cheaper for homeowners to get loans by reinventing the homeowners journey. We are looking for experienced and innovative individuals who are eager to transform the mortgage industry for the better to help build our team and business.
About this Role
The Sr. Manager of Mortgage Lending Underwriting will lead Valon Lendings underwriting function driving operational excellence compliance and innovation. This role will oversee all underwriting personnel set the standard for quality and efficiency and work cross-functionally with product engineering and sales to ensure an exceptional borrower experience. Reporting directly to the Director of Lending Operations this leader will play a critical role in scaling our Consumer Direct mortgage business by building a best-in-class underwriting operation that blends technology with human expertise.
Responsibilities
- Lead and manage the underwriting team fostering a high-performance customer-centric culture
- Oversee all underwriting operations for Consumer Direct mortgage products ensuring alignment with agency investor and regulatory guidelines
- Develop implement and continuously refine underwriting policies procedures and workflows
- Partner with Product and Engineering to identify automation and efficiency opportunities within the underwriting process
- Establish and track OKRs KPIs and performance metrics to measure success and drive continuous improvement
- Engage with loan investors agencies insurers and regulators to ensure compliance and operational readiness
- Lead all training and professional development initiatives for underwriting staff
- Collaborate with sales and processing teams to expedite loan decisions while maintaining rigorous quality standards
Ideal Background
- 10 years of mortgage industry experience with at least 5 years managing underwriting teams
- Experience in Consumer Direct lending environments strongly preferred
- Bachelors or Masters degree in business finance economics or related fieldor equivalent experience FHA DE approved (preferred) or eligible
- Strong technical acumen with the ability to identify and implement process automation opportunities
- Proven ability to thrive in fast-paced high-growth environments
- Familiarity with statistical and data-driven decision-making
Minimum Qualifications
- Deep understanding of mortgage underwriting processes mortgage regulations and investor requirements (Fannie Mae Freddie Mac FHA)
- Expert knowledge of industry-standard underwriting systems including Desktop Underwriter (DU) & Loan Product Advisor (LP/LPA)
- Strong cross-functional communication skills and the ability to work effectively with technical and operational teams
- Meticulous attention to detail and commitment to quality
- High integrity and strong ethical standards
- Availability for regular in-person collaboration and team engagement
- Minimum education requirement: High school diploma or GED equivalent required
What We Can Offer
- Compensation: competitive salary and 401 (k) plan
- Health & well-being: well invest in your physical and mental well-being with comprehensive medical dental & vision benefits
- Food & meals: in-office snacks and drinks and a $400 monthly stipend towards your lunches or groceries
- Commuter benefits: We offer pre-tax deductions for public transportation rideshare services and parking expenses to make your commute more affordable and convenient.
- Grow together: Company-wide orientation for you to successfully onboard and other learning & development opportunities including regular review cycles that feature 360 degree feedback
- Generous time off: flexible paid time off sick days and 11 company holidays
- Baby bonding time!: 12 weeks off for both birthing and non-birthing parents - fully paid so you can focus your energy on your newest addition
Required Experience:
Manager
Employment Type
Full Time
