Senior Underwriting Manager, Home Lending

🔥 12 hours ago

🇺🇸 United States – Remote

💵 $104.8k - $145k / year

⏰ Full Time

🟠 Senior

📋 Underwriter

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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Upstart

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🚘 Automotive

💼 Consulting

🏥 Healthcare

Automotive • Consulting • Healthcare

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The company focuses on revolutionizing lending and credit risk evaluation by leveraging its AI marketplace, which allows for higher approval rates and lower loss rates for Upstart-powered banks and credit unions. Recently, Upstart has expanded its offerings to include automobile refinancing. With a mission to enable effortless credit based on true risk, Upstart is also known for its digital-first lending experience and holds a significant position in the financial services sector.

📋 Description

• Lead, coach, and develop a high-performing team of mortgage underwriting professionals • Serve as a subject matter expert on residential mortgage underwriting • Guide teams on complex borrower scenarios, income, assets, credit, collateral, debt-to-income calculations, and exceptions • Ensure decisions comply with credit policy, investor guidelines, and regulatory requirements • Partner with Credit Strategy to operationalize policy and resolve complex underwriting questions • Monitor performance, quality results, exception trends, and recurring issues • Establish escalation and decision-making practices for complex or ambiguous loan scenarios • Partner with Product and Engineering to improve underwriting workflows, tools, and technology • Collaborate with Risk, Compliance, Operations, and cross-functional partners • Develop underwriting talent through coaching, knowledge sharing, and training

🎯 Requirements

• 7+ years of residential mortgage underwriting experience, including complex borrower scenarios • 3+ years of people leadership experience managing mortgage underwriters or underwriting teams • Experience evaluating borrower income, assets, credit, collateral, and debt-to-income calculations • Experience applying conventional mortgage underwriting guidelines and credit policies to loan decisions, complex scenarios, and exceptions • Experience interpreting and implementing changes to mortgage credit policies, investor guidelines, or underwriting requirements • Experience partnering with Credit, Risk, Compliance, or other stakeholders within a regulated mortgage lending environment • Preferred: deep knowledge of the end-to-end residential mortgage origination lifecycle • Preferred: knowledge of agency, investor, and regulatory requirements for residential mortgage underwriting • Preferred: experience underwriting home equity products, including HELOCs • Preferred: experience using underwriting quality, performance, and exception data • Preferred: experience partnering with Product and Engineering teams • Preferred: ability to translate complex credit policies into clear guidance • Preferred: experience leading teams through credit policy, product, or technology changes

🏖️ Benefits

• Competitive compensation, including bonus opportunities and annual equity grants that vest quarterly • 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) • Comprehensive medical, dental, vision, and wellness resources • Health Savings Account contributions for eligible plans (US only) • Life insurance and disability coverage • Paid time off, sick leave, and company holidays • Paid family and parental leave • Family-centered fertility, parenthood, and caregiving benefits • Employee Assistance Program with mental health support and life-centered resources • Financial planning tools and financial concierge service (US only) • Annual wellness allowance • Annual productivity allowance for relevant tools and resources • Team events, all-company updates, and employee resource groups • Catered lunches and fully stocked micro-kitchens when working from company offices