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Underwriting Manager – Retail Residential Mortgage
Location
Missouri
Posted
4 days ago
Salary
0
Seniority
Senior
Job Description
Underwriting Manager – Retail Residential Mortgage
The Mortgage Talent Network
• Lead, mentor, and calibrate a team of retail residential underwriters — setting the standard for quality, consistency, and turn time • Own escalated and exception files while maintaining production flow and protecting the company's credit profile • Serve as a cross-functional partner to sales, operations, and processing — removing friction, solving bottlenecks, and keeping the pipeline moving • Develop and maintain a robust underwriting quality feedback loop that drives continuous improvement across the team • Monitor agency guideline updates (Fannie Mae, Freddie Mac, FHA and beyond) and translate changes into clean, workable overlays the team can execute on • Ensure all underwriting activity meets state-by-state compliance standards in an IMC environment — where regulatory precision matters and there is no federal preemption safety net • Contribute to senior-level credit and production conversations as a credible, experienced voice in the room
Job Requirements
- 5 years of mortgage underwriting management experience in a retail residential setting — this must be your most recent role
- Deep, working mastery of agency guidelines: Fannie Mae, Freddie Mac, and FHA at minimum; additional product knowledge is a plus
- Hands-on proficiency with Encompass LOS — you should be comfortable navigating it daily, not learning it on the job
- Demonstrated ability to lead and develop a team in a fast-moving independent mortgage company environment — IMC experience is strongly preferred
- Comfort operating with autonomy in a nimble, non-depository setting where decisions move quickly and compliance knowledge is your foundation
- Bonus points — valued but not required: - DE, SAR or LAPP authority - Experience with USDA, bond/grant programs, jumbo, or non-QM products - Prior leadership experience managing a team of five or more underwriters at an IMC
Benefits
- Full benefits package
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