[Hiring] Mortgage Underwriting Manager @Ocrolus Inc.

Role Description

We're looking for an experienced mortgage underwriting leader to build and lead a team of underwriters responsible for validating the quality of our AI-powered underwriting products. This team serves as the final line of defense in ensuring our products make accurate, guideline-compliant underwriting decisions.

• Your team will review a statistically representative sample of production loans every day, evaluating the accuracy of automated underwriting outputs, identifying trends, and uncovering opportunities to improve product quality.
• You'll transform detailed underwriting findings into actionable insights that Product, Engineering, and Machine Learning teams can use to improve product performance.
• Success in this role requires deep underwriting expertise, strong people leadership, exceptional analytical skills, and the ability to communicate complex mortgage concepts in a way that drives product improvements.

Key Responsibilities

• Team Leadership
  • Lead, and develop a high-performing team of mortgage underwriters responsible for quality assurance of Ocrolus mortgage products.
  • Hire, onboard, coach, and manage team performance while fostering continuous professional development.
  • Manage workforce planning, review capacity, and quality coverage to ensure consistent daily sampling and analysis.
  • Serve as the senior underwriting subject matter expert for the QA team, providing guidance on complex underwriting scenarios.
• Underwriting Quality Assurance
  • Oversee daily reviews of a representative sample of production loan files to validate the accuracy and consistency of mortgage product output.
  • Drive consistency in QA scoring, documentation, and root cause analysis across the team.
• Product Quality & Insights
  • Identify trends, recurring defects, and opportunities for product improvement through systematic QA reviews.
  • Distinguish between isolated issues and systemic product gaps using data-driven analysis.
  • Translate underwriting observations into clear language that engineering and product teams can understand and act upon.
• Cross-Functional Collaboration
  • Partner closely with Product, Engineering, Machine Learning, and Customer Success to improve underwriting accuracy.
  • Participate in product planning by representing the voice of underwriting quality.
  • Support customer-facing teams by providing underwriting expertise for complex product questions and escalations when needed.

Qualifications

• 8+ years of residential mortgage underwriting experience, including significant experience with agency lending.
• 3+ years managing or leading teams of mortgage underwriters or quality assurance professionals.
• Deep expertise in residential mortgage underwriting, including borrower eligibility, income analysis, asset verification, credit assessment, collateral review, appraisal analysis, underwriting conditions, and agency guideline interpretation.
• Demonstrated ability to identify trends, perform root cause analysis, and translate findings into process or technology improvements.
• Exceptional written and verbal communication skills with the ability to simplify complex underwriting concepts for technical audiences.
• Strong analytical mindset with experience using data to identify quality trends.
• Experience working with Loan Origination Systems (Encompass, Byte, etc.) and mortgage technology platforms.
• Experience partnering with Product or Engineering teams is strongly preferred.

Benefits

• Fast-growing, remote-first company environment.
• Opportunities to grow your skills and take ownership of your work.
• Make a meaningful impact in the field of lending.

Company Description

We’re a team of builders, thinkers, and problem solvers who care deeply about our mission — and each other. Our culture is grounded in four core values:

• Empathy – Understand and serve with compassion.
• Curiosity – Explore new ideas and question the status quo.
• Humility – Listen, be grounded, and remain open-minded.
• Ownership – Love what you do, work hard, and deliver excellence.

We believe diverse perspectives drive better outcomes. That’s why we’re committed to fostering an inclusive workplace where everyone has a seat at the table, regardless of race, gender, gender identity, age, disability, national origin, or any other protected characteristic.

We look forward to building the future of lending together.