VP of Underwriting

This position is posted by Jobgether on behalf of a partner company. We are currently looking for a VP of Underwriting in the United States.

This senior leadership role is responsible for overseeing underwriting operations within a high-volume mortgage lending environment, ensuring accuracy, compliance, and strong service levels across conventional and government loan products. The VP of Underwriting will act as a key escalation point for complex loan scenarios, providing expert guidance and decision-making support to underwriting teams and branch operations. This role combines strategic oversight with hands-on problem solving, while ensuring adherence to regulatory guidelines and internal credit policies. In addition, the position focuses on team leadership, performance management, and continuous improvement of underwriting processes. It requires close collaboration with sales, operations, and senior leadership to maintain efficiency and customer service excellence. This is a high-impact role for an experienced underwriting leader in a fast-paced, growth-oriented lending organization.

Accountabilities:

Lead and oversee underwriting operations for conventional, FHA, VA, and other mortgage loan products
Serve as a senior escalation point for complex underwriting decisions and loan-level issues
Ensure underwriting activities meet established service level agreements and production targets
Provide expert guidance and decision support to underwriting teams and branch personnel
Perform second-level loan reviews and ensure compliance with internal and regulatory standards
Monitor underwriting pipeline performance and drive productivity and efficiency improvements
Manage underwriting reporting, performance metrics, and operational dashboards
Lead, coach, and mentor a team of underwriting professionals to ensure high performance and development
Collaborate with sales and operations teams to resolve escalations and maintain strong customer service
Participate in special projects, training initiatives, and process improvement efforts as needed

Requirements:

5+ years of mortgage underwriting experience across FHA, VA, USDA, and conventional loan products
3+ years of leadership or management experience within underwriting or credit operations
Strong knowledge of agency guidelines including FHA, VA, and conventional lending standards
Direct Endorsement (DE) status and/or VA SAR authority strongly preferred
Solid understanding of ATR/QM requirements and mortgage compliance regulations
Experience working with underwriting systems such as Encompass LOS is a plus
Strong analytical and problem-solving skills with sound judgment in complex scenarios
Proven ability to lead teams, coach underwriters, and drive performance in a high-volume environment
Excellent communication and stakeholder management skills across operations and sales teams
Proficiency in Microsoft Word, Excel, and Outlook

Benefits:

Competitive base salary ranging from $160,000 to $175,000
Eligibility for monthly performance-based bonus incentives
Comprehensive medical, dental, and vision insurance coverage
401(k) retirement savings plan
Short-term disability coverage provided by the employer
Employee assistance and wellness programs
Opportunity to work in a high-growth, nationally recognized mortgage lending organization
Strong culture focused on collaboration, transparency, and employee development
Career growth opportunities within underwriting and broader mortgage operations

How Jobgether works:

We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.

We appreciate your interest and wish you the best!

Why Apply Through Jobgether?

Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.

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