Head of Underwriting - Mortgage Lending - Remote

Overview

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 Head of Underwriting 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.

In Short

• Build, lead, and manage a non-QM underwriting team across DSCR, RTL, and consumer products.
• Develop, refine, and enforce underwriting guidelines across all products.
• Review files prior to submission to Correspondent Lenders.
• Own end-to-end underwriting workflows, including file review and final credit decisions.
• Ensure loans are structured, underwritten, and delivered in line with credit policy.
• Drive underwriting speed and efficiency by managing pipelines.
• Monitor portfolio performance and implement adjustments to credit policy.
• Establish and enforce QC processes for accuracy and compliance.
• Define and manage exception frameworks for approvals.
• Track and report on key underwriting metrics and provide insights to leadership.

Requirements

• 10+ years of mortgage underwriting leadership experience.
• Deep experience with non-QM products, including DSCR and investor lending.
• Strong understanding of credit risk and loan structuring.
• Experience building or scaling underwriting teams 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.

Benefits

• Competitive salary and performance-based bonuses.
• Comprehensive health benefits.
• Flexible work environment.
• Opportunities for professional development and growth.
• Collaborative and innovative team culture.