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Underwriting Manager - Sage Home Loans

External
redventures logoRedventures · Charlotte, NC
Full-timeOn-site4d ago
DocumentationExcelLeadershipProcess ImprovementREST
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About the role

Sage Home Loans Corporation is a digital mortgage lender solution redefining the mortgage origination experience. By building new technology solutions, we're creating simple and clean customer experiences to simplify the mortgage application process. Our team has developed a fully digital online application that enables the user to complete their application and start looking for the right mortgage that matches their needs 24/7. We then marry the digital journey with exceptional human interaction from our expert Loan Officers to create the best possible borrower experience. Red Ventures is a global portfolio of high-growth companies - spanning several U.S. businesses, a joint venture in the health services industry, and strategic investments in Europe and Puerto Rico. Their businesses include The P

Responsibilities

  • Lead, coach, and support a team of underwriters reviewing residential real estate-secured loans, including Conventional, FHA, VA, and Jumbo products.
  • Monitor underwriting queues, productivity, and SLA performance, adjusting resources in real time to meet business needs.
  • Serve as a subject matter expert in residential underwriting, maintaining deep knowledge of Agency, FHA, VA, Jumbo, and investor-specific overlays.
  • Utilize both manual and automated underwriting systems to determine appropriate conditions and loan decisions in accordance with investor guidelines.
  • Approve loans within delegated lending authority, review and sign off on secondary market loan denials, and escalate loans above authority as needed.
  • Review, trend, and remediate quality control findings, post-close purchase delays, and repurchase demands.
  • Drive operational initiatives, benchmarks, and performance metrics to improve quality, efficiency, and consistency across the underwriting team.
  • Identify and lead process improvement efforts in partnership with cross-functional leaders to optimize the origination experience.
  • Support the development, documentation, and refinement of underwriting processes and technology enhancements.
  • Assist with training and knowledge-sharing initiatives within underwriting and across partner departments.
  • Operate effectively within an automated underwriting environment and an Encompass-based lender platform.

Requirements

  • Prior leadership experience within a residential mortgage underwriting function.
  • Experience underwriting loans for sale in the secondary market and for portfolio retention.
  • Strong expertise evaluating residential mortgage and home equity loan applications.
  • Proven ability to analyze complex data, investor guidelines, and technical issues to reach sound underwriting decisions.
  • Working knowledge of Agency, FHA, VA, Jumbo, and investor overlay requirements.
  • Strong communication skills and the ability to collaborate effectively with loan officers, vendors, and internal partners.
  • Comfort working with PC-based software applications, including Word and Excel.
  • College coursework in Business Administration or a related field, or equivalent experience.
  • A leadership approach grounded in accountability, coaching, and continuous improvement.

Benefits

This range reflects total cash compensation, which may include base salary only or base salary plus target bonus, depending on the role. Where eligible, equity may also be offered separately and not included below. Actual compensation varies based on location, experience, and qualifications.Total Cash Compensation Range: $120,000 per year, plus applicable incentiveAdditionally, the following benefits are provided by Red Ventures, subject to eligibility requirements.Health Insurance Coverage (medical, dental, and vision)Life InsuranceShort and Long-Term Disability InsuranceFlexible Spending AccountsHoliday Pay401(k) with matchEmployee Assistance ProgramPaid Parental Bonding Benefit ProgramFlexible Paid Time Off (PTO): We believe time to rest and recharge is essential. That's why we offer a generous and flexible PTO policy. Full-time employees accrue 20 days of PTO for a full calendar year annually, with an increase to 25 days after five years of service.Health insuranceDental insuranceVision insurance401(k)Paid time offRemote work optionsFlexible scheduleEquity / stock optionsPerformance bonusParental leave

Additional Information

Preference for a hybrid schedule and be based in our South Charlotte, NC Headquarters (Tuesday through Thursday) and work fully remotely on Mondays and Fridays each week. For the Sage Home Loans website click here . Curious how Sage Home Loans fits into Red Ventures? Click here. Sage Home Loans is redefining the mortgage experience by combining innovative technology with exceptional human expertise . As an Underwriting Manager , you'll lead and develop a team of underwriters responsible for delivering high-quality, compliant residential mortgage decisions with both speed and precision. This role balances people leadership and hands-on underwriting expertise , partnering closely with cross-functional teams to improve processes, raise quality standards, and ensure we consistently win the right way-for our clients and our teammates.

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