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Senior Underwriting Manager, Home Lending

Upstart
Location
United States | Remote
Posted
25 days ago
Department
Operations Department
What they actually want (must-haves)
  • 7+ years of residential mortgage underwriting experience, including experience underwriting complex borrower scenarios
  • 3+ years of people leadership experience managing mortgage underwriters or underwriting teams
  • Demonstrated 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
Nice to have
  • Deep knowledge of the end-to-end residential mortgage origination lifecycle, including processing, underwriting, closing, and post-closing
  • Knowledge of agency, investor, and regulatory requirements applicable to residential mortgage underwriting
  • Experience underwriting home equity products, including HELOCs
  • Experience using underwriting quality, performance, and exception data to identify trends and improve decision-making
  • Experience partnering with Product and Engineering teams to improve underwriting workflows, decisioning tools, or lending technology
What the job really is

As a Senior Underwriting Manager at Upstart, you will lead a team of mortgage underwriting professionals, ensuring high-quality credit decisions in alignment with credit policies and regulatory requirements. You will collaborate with various departments to improve underwriting practices, monitor performance, and develop talent within the organization, while also serving as a subject matter expert on complex borrower scenarios.

Benefits
  • Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
  • Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
  • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
  • Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada
  • Health Savings Account contributions from Upstart for eligible plans (US only)
  • Income protection benefits, including life insurance and disability coverage for added financial security
Things to weigh
  • No specific salary listed, but a range is provided based on location
  • Remote work is encouraged, but in-person collaboration is also emphasized with regular onsite meetings
  • The role requires significant experience in a regulated mortgage lending environment, which may limit the candidate pool
Job score3.6/5
Benefits5/5
Freshness4/5
Career value4/5
Role clarity5/5
Pay transparency0/5

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