Underwriting Supervisor

Underwriting Supervisor Key Responsibilities Lead, mentor and manage a team of underwriters and underwriting support staff, including performance reviews, training plans, career development, and workload balancing. Monitor underwriting workflow metrics (turn times, decision quality, exception rates, resubmissions) and drive process improvements to meet or exceed SLAs.

Partner with origination and operations teams to set clear submission requirements, reduce rush applications and resubmissions, and reinforce communication and quality expectations. Collaborate with operations (processing, closing) to ensure smooth hand‐off of transactions, clarity of roles, and no bottlenecks exist between departments.

Review complex or high‐risk underwriting files and provide final decisioning when needed or escalate appropriately. Maintain up‐to‐date knowledge of mortgage regulations, credit policy changes, and market conditions; interpret how changes impact underwriting practices. Implement and oversee quality control processes within underwriting (e.

g., audit of underwriting decisions, exceptions analysis, root‐cause reviews) and apply findings to drive continuous improvement. Communicate underwriting metrics, trends and insights to senior leadership, suggesting actionable improvements and providing regular reporting. Foster a high‐performance, “one-team” culture promoting collaboration, accountability, continuous training and feedback loops between underwriting, operations, sales and compliance.

Qualifications

Bachelor’s degree (Finance, Business, Risk Management, or related field) or equivalent experience. Minimum of 5-7 years of underwriting experience in mortgage lending (conventional, FHA, VA, Non QM, USDA, and Jumbo) with at least 4 years in a supervisory or management role. Deep knowledge of credit, income, assets, loan documentation, appraisals, and condo reviews Proven track record of managing teams, setting standards, driving process improvements and meeting key performance metrics.

Excellent leadership, coaching and interpersonal communication skills; ability to build strong relationships across origination, operations and senior leadership. Analytical mindset with ability to interpret metrics, identify trends and implement improvement plans. High integrity, strong decision‐making skills, attention to detail, and ability to maintain risk controls while supporting business growth.

Time Management skills are a must-have Experience working in Encompass and familiarity with workflow automation tools. Experience in developing and implementing checklists, SLAs and standardized playbooks for underwriting teams. Knowledge of multiple product lines (e.g., conventional, jumbo, non‐QM, and portfolio). Prior involvement in multi-department process improvement, including collaboration with sales, processing, closing and QC/compliance teams.

FHA and VA delegation is required Proven ability to work in fast paced environments and maintaining a positive customer service based attitude