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Hybrid Underwriting Manager- Texas
Lubbock, TXPosition: 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: $85,000+ 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: $85,000+ 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.