Rate · 1 month ago
Mortgage Underwriting Manager
United States
Full-time
Remote
Lead/Staff
$120K/yr - $130K/yr
7+ years expGuaranteed Rate is a company that specializes in mortgage services, and they are seeking a Mortgage Underwriting Manager to oversee their Government Underwriters in a dedicated region. The role involves managing the underwriting pipeline, ensuring compliance with regulatory requirements, and fostering a productive environment for the team.
LendingFinanceReal EstateConsumer LendingFinancial ServicesMortgagePersonal FinancePropTech
Responsibilities
Create and maintain a highly efficient and productive environment/culture that values team members and rewards performance
Remotely manage team
Ensure effective communication and team building atmosphere within all departments of Guaranteed Rate
Manage the mortgage underwriting pipeline; being cognizant of service levels, quality, compliance and daily expectations
Plan, coordinate, direct, review and supervise work of subordinates in the underwriting of mortgage loans
Oversee VA underwriting to ensure adherence to all Agency, Investor and Guaranteed Rate guidelines
Review and analyze file documentation related to the loan decision and properly mitigate and document policy exceptions
Review a percentage of approved loans by underwriters in your region to ensure they are complete and accurate and provide feedback to the Divisional Underwriting Manager
Ensure the integrity of loan data entered and maintained in Encompass LOS, AUS and all systems required throughout the underwriting process
Ensure that loan conditions submitted to obtain clear-to-close are reviewed in a timely manner
Ensure compliance with regulatory requirements including but not limited to QM, ATR, HMDA, Reg B, ECOA, Reg V, Fact Act, AIR, Safe Act, etc
Monitor results of internal audits and suspensions for areas needing improvement and additional training opportunities
Provide guidance, training, coaching and assistance to staff as needed
Responsible for employee evaluations, disciplinary actions, salary adjustments and termination functions
Work closely with varying levels of management both internally and externally
Other various duties as required
Qualification
Required
BS/BA in Finance, Operations or Management preferred, or equivalent work history
Must have 7+ years' experience in all aspects of residential mortgage origination for both conventional and government products
Two or more years' experience in a management role, with proven track record in management and supervision
SAR/LAPP
Strong knowledge of State and Federal laws pertaining to the mortgage banking industry: QM, ATR, RESPA, ECOA, AIR, etc
Some renovation lending experience (203K and Conventional)
Proficiency in MS Office (Word, Excel, PowerPoint and Outlook)
Strong verbal and written communication skills are necessary
Excellent customer service skills with strong attention to detail
Time Management skills and the ability to prioritize workload based on daily production
Strong analytical skills required with a high degree of accuracy
Ability to work flexible hours as needed
Ability to multi-task in other areas of the units
Positive attitude and team-oriented spirit
Ability to function in an ever-changing environment
Company
Rate
Rate is a mortgage company that provides mortgage-related services and solutions.
5001-10000 employees
H1B Sponsorship
Rate has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
15%
Represents job field similar to this job
Accounting and Finance
Engineering and Development
Marketing
Customer Service and Support
Trends of Total Sponsorships
*2026 (1)
2025 (6)
2024 (7)
2023 (3)
2022 (15)
2021 (9)
Funding
Current Stage
Late StageTotal Funding
unknownKey Investors
THL
2017-12-14Private Equity
Leadership Team
Victor Ciardelli
President & CEO
Ramesh Sarukkai
CPO & CTO
Recent News
The Real Deal
2026-06-05
HousingWire.com
2026-05-19
Company data provided by crunchbase