Underwriting Manager | Sage Home Loans

Preference for a hybrid schedule and be based in our South Charlotte NC Headquarters (Tuesday through Thursday) and work fully remotely on Mondays and Fridays each week.

For the Sage Home Loans website click here. Curious how Sage Home Loans fits into Red Ventures Click here.

Sage Home Loans is redefining the mortgage experience by combining innovative technology with exceptional humanexpertise. As anUnderwritingManageryoulllead and develop a team of underwriters responsible for delivering high-quality compliant residential mortgage decisions with both speed and precision. This role balancespeopleleadership and hands-on underwritingexpertise partnering closely with cross-functional teams to improve processes raise quality standards and ensure we consistently win the right wayfor our clients and our teammates.

What Youll Do:

• Lead coach and support a team of underwriters reviewing residential real estatesecured loans including Conventional FHA VA and Jumbo products.

• Monitor underwriting queues productivity and SLA performance adjusting resources in real time to meet business needs.

• Serve as a subject matter expert in residential underwritingmaintainingdeep knowledge of Agency FHA VA Jumbo and investor-specific overlays.

• Utilize both manual and automated underwriting systems to determineappropriate conditionsand loan decisionsin accordance withinvestor guidelines.

• Approve loans within delegated lending authority review and sign off on secondary market loan denials and escalate loans above authority as needed.

• Review trend and remediate quality control findings post-close purchase delays and repurchase demands.

• Drive operational initiatives benchmarks and performance metrics to improve quality efficiency and consistency across the underwriting team.

• Identifyand lead process improvement efforts in partnership with cross-functional leaders tooptimizethe origination experience.

• Support the development documentation and refinement of underwriting processes and technology enhancements.

• Assistwith training andknowledge-sharinginitiatives within underwriting and across partner departments.
• Operate effectively within an automated underwriting environment and an Encompass-based lender platform.

What Were Looking For:

• Prior leadership experience within a residential mortgage underwriting function.

• Experience underwriting loans for sale in the secondary market and for portfolio retention.

• Strongexpertiseevaluating residential mortgage and home equity loan applications.

• Proven ability to analyze complex data investor guidelines and technical issues to reach sound underwriting decisions.

• Working knowledge of Agency FHA VA Jumbo andinvestoroverlay requirements.

• Strong communicationskills and the ability to collaborate effectively with loan officers vendors and internal partners.

• Comfort working with PC-based software applications including Word and Excel.

• College coursework in Business Administration ora relatedfield or equivalent experience.
• A leadership approach grounded in accountability coaching and continuous improvement.

Compensation:

This range reflects total cash compensation which may include base salary only or base salary plus target bonus depending on the role. Where eligible equity may also be offered separately and not included below. Actual compensation varies based on location experience and qualifications.

• Total Cash Compensation Range: $120000 per year plus applicable incentive

Additionally the following benefits are provided by Red Ventures subject to eligibility requirements.

• Health Insurance Coverage (medical dental and vision)
• Life Insurance
• Short and Long-Term Disability Insurance
• Flexible Spending Accounts
• Holiday Pay
• 401(k) with match
• Employee Assistance Program
• Paid Parental Bonding Benefit Program
• Flexible Paid Time Off (PTO): We believe time to rest and recharge is essential. Thats why we offer a generous and flexible PTO policy. Full-time employees accrue 20 days of PTO for a full calendar year annually with an increase to 25 days after five years of service.

Who We Are:

Sage Home Loans Corporationis a digital mortgage lender solution redefining the mortgage origination experience. By building new technology solutions were creating simple and clean customer experiences to simplify the mortgage application process. Our team has developed a fully digital online application that enables the user to complete their application and start looking for the right mortgage that matches their needs 24/7. We then marry the digital journey with exceptional human interaction from our expert Loan Officers to create the best possible borrower experience.

Red Ventures is a global portfolio of high-growth companies spanning several U.S. businesses a joint venture in the health services industry and strategic investments in Europe and Puerto Rico. Their businesses include The Points Guy Lonely Planet Bankrate the Allconnect Platform RV Home Client Growth RV Growth & Transformation Sage Home Loans Corporation RV Education and more. Across the portfolio Red Ventures businesses deliver seamless digital experiences for consumers help Fortune 100 clients solve large-scale digital growth challenges and create world-class experiences and opportunities for employees. Learn more at and follow @RedVentures on LinkedIn and Instagram.

At Red Ventures we believe diverse inclusive teams are better. To help you better understand our core values and beliefs we encourage you to watch this brief YouTube video: Our Belief Statements. This will give you insight into the principles that guide our work and our commitment to fostering an inclusive environment.

We offer competitive salaries and a comprehensive benefits program for full-time employees including medical dental and vision coverage paid time off life insurance disability coverage employee assistance program 401(k) plan and a paid parental leave program.

Red Ventures is an equal opportunity employer that does not discriminate against any employee or applicant because of race creed color religion gender sexual orientation gender identity/expression national origin disability age genetic information veteran status marital status pregnancy or any other basis protected by law. Employment at Red Ventures is based solely on a persons merit and qualifications.

We are committed to providing equal employment opportunities to qualified individuals with disabilities. This includes providing reasonable accommodation where appropriate. Should you require a reasonable accommodation to apply or participate in the job application or interview process please contact

If you are based in California we encourage you to read this important information for California residents linked here.

Insert Brand and Recruiter Hashtags

At Red Ventures we believe in real human connection. Thats why we do not hire someone through text social media or email only. As part of the hiring process you should expect live conversations with RV teammates before any offer is made. Also keep an eye on the sender: we only use official @ email addresses at the portfolio level or business specific email addresses (e.g. @) not ones like . We will never ask candidates to send money buy equipment or share financial account info during your journey with us. You can always find our open roles on if you receive a message that seems suspicious please use to verify the opportunity.

For more the U.S. Federal Trade Commission has published helpful articles to help individuals learn more about protecting themselves from recruiter scams. If you think youve been targeted feel free to report it to your local authorities. Stay safe out there!

Click here for more details regarding the employee privacy policy:

Questions about this Privacy Notice can be directed to. Alternatively you may raise any questions or concerns to your manager HR Business Partner or through the Privacy Team.