VP of Non-QM Underwriting (Fintech)

TL;DR

VP of Non-QM Underwriting (Fintech): Managing and supporting the Non-QM underwriting department to ensure SLA adherence and loan quality with an accent on complex scenario resolution and second-level reviews. Focus on mentoring underwriting staff, optimizing pipeline productivity, and ensuring strict compliance with FHA, VA, and Conventional guidelines.

Location: Must operate within Pacific Time or Mountain Time zone working hours to support the West Coast region.

Salary: $160,000 - $175,000 per year

Company

A leading distributed retail mortgage lender operating across all 50 states, D.C., and Puerto Rico.

What you will do

• Manage a team of approximately five to ten underwriting professionals.
• Provide guidance and solutions for complex loan-level escalations and perform second-level mortgage reviews.
• Monitor the underwriting pipeline to ensure overall productivity and adherence to set SLAs.
• Maintain and report underwriter bonus metrics.
• Coach and mentor underwriting staff to enhance technical skills and performance.
• Coordinate with operations and sales staff to maintain high levels of customer service.

Requirements

• 5+ years of Mortgage Underwriting experience (FHA, VA, USDA, Conventional) with agency guideline knowledge.
• 3+ years of Underwriting management experience.
• Working knowledge of ATR/QM requirements.
• Proficiency in Microsoft Word, Excel, and Outlook.
• Bachelor’s Degree or an equivalent combination of education and experience.

Nice to have

• Direct Endorsement status from HUD and/or SAR authority from VA.
• Experience with USDA loans.
• Experience using Encompass LOS.

Culture & Benefits

• Competitive compensation plan including monthly bonus incentives.
• Robust benefits package: medical, dental, and vision insurance.
• 401K retirement plan.
• Company-provided short-term disability and employee assistance programs.
• Wellness program and an entrepreneurial culture focused on employee growth.