Hybrid Underwriting Manager- Texas
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Job Location:
Lubbock, TX - USA
Monthly Salary:
Not Disclosed
Posted on:
Yesterday
Vacancies:
1 Vacancy
Job Summary
Position: Underwriting Manager
Location: Lubbock Texas preferred. Remote candidates must reside in Texas.
Work Model: Hybrid preferred. Remote candidates based in Texas will be considered. Equipment provided for remote employees.
Compensation: $85000 base salary
Schedule: Full-time Monday through Friday 8:00 AM to 5:00 PM
Benefits: Health and dental coverage after 60 days 401(k) with up to 6% employer match after 90 days company-paid group life insurance subject to waiting periods accrued PTO and company-paid holidays.
Support underwriter development through coaching file reviews certifications and feedback.
Monitor team performance and identify training needs as volume and complexity increase.
Promote accountability collaboration and professionalism within the underwriting team.
Ensure underwriting decisions align with FHA VA Conventional investor and non-QM guidelines.
Review complex layered-risk and higher-risk loan scenarios and provide guidance to underwriters.
Maintain strong documentation standards that support defensible credit decisions.
Identify trends in underwriting errors conditions or rework and take corrective action.
Serve as a senior point of review for complex or unusual loan scenarios.
Apply established guidelines and escalation protocols consistently.
Escalate true policy exceptions or elevated credit risk decisions when appropriate.
Serve as a technical underwriting resource to sales processing and operations teams.
Oversee underwriting pipelines to maintain acceptable turn times as volume grows.
Optimize underwriting workflows to reduce unnecessary touches delays and rework.
Partner with Processing and Closing to improve handoffs and file flow.
Assist leadership with capacity planning through workload visibility and trend analysis.
Use the LOS AUS and AI tools to improve underwriting efficiency and consistency.
Work closely with Sales Processing Closing Compliance Operations and Mortgage Systems to support timely accurate closings.
Support rollout of new products or guideline updates by helping translate requirements to the underwriting team.
Prior supervisory or lead underwriting experience.
Strong knowledge of mortgage lending principles and credit risk.
Extensive familiarity with FNMA FHLMC FHA and VA underwriting guidelines.
Working understanding of regulatory and compliance requirements.
Proficiency in Loan Origination Systems and Automated Underwriting Systems.
Experience with Encompass.
Comfort working with underwriting technology compliance tools and AI tools.
Strong analytical and credit judgment skills.
Effective leadership and coaching ability.
Clear professional communication with internal teams.
Sound decision-making in a fast-paced production environment.
FHA Direct Endorsement and VA SAR / LAPP.
Location: Lubbock Texas preferred. Remote candidates must reside in Texas.
Work Model: Hybrid preferred. Remote candidates based in Texas will be considered. Equipment provided for remote employees.
Compensation: $85000 base salary
Schedule: Full-time Monday through Friday 8:00 AM to 5:00 PM
Benefits: Health and dental coverage after 60 days 401(k) with up to 6% employer match after 90 days company-paid group life insurance subject to waiting periods accrued PTO and company-paid holidays.
Overview
This role oversees the daily operations of the underwriting department ensuring mortgage loan applications are evaluated accurately consistently and in compliance with investor regulatory and internal guidelines. The position balances risk management with efficient loan production supports on-time closings and protects credit quality while leading and developing an underwriting team.Responsibilities
Lead train mentor and manage the underwriting team to support consistent high-quality credit decisions.Support underwriter development through coaching file reviews certifications and feedback.
Monitor team performance and identify training needs as volume and complexity increase.
Promote accountability collaboration and professionalism within the underwriting team.
Ensure underwriting decisions align with FHA VA Conventional investor and non-QM guidelines.
Review complex layered-risk and higher-risk loan scenarios and provide guidance to underwriters.
Maintain strong documentation standards that support defensible credit decisions.
Identify trends in underwriting errors conditions or rework and take corrective action.
Serve as a senior point of review for complex or unusual loan scenarios.
Apply established guidelines and escalation protocols consistently.
Escalate true policy exceptions or elevated credit risk decisions when appropriate.
Serve as a technical underwriting resource to sales processing and operations teams.
Oversee underwriting pipelines to maintain acceptable turn times as volume grows.
Optimize underwriting workflows to reduce unnecessary touches delays and rework.
Partner with Processing and Closing to improve handoffs and file flow.
Assist leadership with capacity planning through workload visibility and trend analysis.
Use the LOS AUS and AI tools to improve underwriting efficiency and consistency.
Work closely with Sales Processing Closing Compliance Operations and Mortgage Systems to support timely accurate closings.
Support rollout of new products or guideline updates by helping translate requirements to the underwriting team.
Qualifications
5-10 years of residential mortgage underwriting experience.Prior supervisory or lead underwriting experience.
Strong knowledge of mortgage lending principles and credit risk.
Extensive familiarity with FNMA FHLMC FHA and VA underwriting guidelines.
Working understanding of regulatory and compliance requirements.
Proficiency in Loan Origination Systems and Automated Underwriting Systems.
Experience with Encompass.
Comfort working with underwriting technology compliance tools and AI tools.
Strong analytical and credit judgment skills.
Effective leadership and coaching ability.
Clear professional communication with internal teams.
Sound decision-making in a fast-paced production environment.
FHA Direct Endorsement and VA SAR / LAPP.
NMS Disclaimer
Client requirements and hiring decisions are set by the hiring company. Please ensure your application details align with your resume and reflect your direct experience. Thank you for your interest.Thank you for your interest!
If your background aligns with our clients needs one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters.
Unfortunately due to high volumes of applicants we may not be able to respond to those who are not a fit. If you do not hear from us regarding this application please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.
If your background aligns with our clients needs one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters.
Unfortunately due to high volumes of applicants we may not be able to respond to those who are not a fit. If you do not hear from us regarding this application please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.
Required Experience:
Manager
About Company
National Mortgage Staffing is an executive national recruiting firm dedicated to the Mortgage Industry. Our recruiting staff has over thirty years combined experience in successful job placements with our mortgage clients coast-to-coast. Our recruiters who are placed strategically thr ... View more
