Upstart
Senior Underwriting Manager, Home Lending
$105K–$145K
United States +2 · Remote · Manager · Full-time · Posted Aug 26, 2026
- Location
- United States
Remote
Remote - Experience
- 7+ years of residential mortgage underwriting experience and 3+ years of people leadership experience.
About the job
Leads a team of mortgage underwriters and partners across the business to deliver consistent home lending decisions and improve underwriting practices and workflows.
What you'll do
- Lead, coach, and develop mortgage underwriting professionals, providing guidance on complex borrower scenarios.
- Ensure decisions follow credit policy, investor guidelines, and regulatory requirements; monitor quality and exception trends.
- Partner with Credit Strategy, Product, Engineering, Risk, Compliance, and Operations to operationalize policy and improve underwriting workflows.
What they ask for
- Residential mortgage underwriting experience, including complex borrower scenarios.
- People leadership experience managing mortgage underwriters or underwriting teams.
- Experience assessing borrower income, assets, credit, collateral, and debt-to-income calculations, and applying conventional mortgage guidelines and credit policies.
- Experience interpreting mortgage policy or investor guideline changes and partnering with stakeholders in a regulated mortgage lending environment.
Nice to have
- Knowledge of the residential mortgage origination lifecycle and applicable agency, investor, and regulatory requirements.
- Experience underwriting HELOCs or using underwriting data and partnering with Product and Engineering to improve decision-making and workflows.
Pay
$104,800 — $145,000 USD base salary
Model-written summary · the original posting is authoritative