Mortgage Underwriting Manager

Ocrolus; Washington (District of Columbia); On-site; USD 140,000 - 200,000; Full time

Job summary

Ocrolus is seeking an experienced mortgage underwriting leader to build and lead a QA-driven team for our AI-powered underwriting products. You will oversee daily reviews of production loan files and drive data-informed improvements with cross-functional partners.

Lead with deep underwriting expertise, mentor a high-performing team, and translate complex mortgage concepts into actionable insights for Product, Engineering, and Machine Learning teams.

Qualifications

• 8+ years of residential mortgage underwriting experience, including agency lending.
• 3+ years leading mortgage underwriting teams.
• Deep expertise in 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.

Responsibilities

• Lead a high-performing underwriting team ensuring QA of Ocrolus mortgage products.
• Oversee daily reviews of a representative sample of production loan files to validate accuracy.
• Drive consistency in QA scoring, documentation, and root cause analysis across the team.
• Identify trends, recurring defects, and opportunities for product improvement through QA reviews.
• Translate underwriting observations into clear language for engineering and product teams.
• Partner with Product, Engineering, ML, and Customer Success to improve underwriting accuracy.

Skills

Mortgage underwriting

Agency lending

Team leadership

Data analysis

Clear communication

Encompass

Byte

Product collaboration

Tools

Encompass

Byte

Job description

Come build at the intersection of AI and fintech. At Ocrolus, we’re on a mission to help lenders automate workflows with confidence—streamlining how financial institutions evaluate borrowers and enabling faster, more accurate lending decisions.

Our AI workflow and analytics platform for lenders is trusted at scale, processing nearly one million credit applications every month across small business, mortgage, and consumer lending. By integrating state-of-the-art open- and closed-source AI models with our human-in-the-loop verification engine, Ocrolus captures data from financial documents with over 99% accuracy. Thanks to our advanced fraud detection and comprehensive cash flow and income analytics, our customers achieve greater efficiency in risk management, and provide expanded access to credit—ultimately creating a more inclusive financial system.

Trusted by more than 400 customers—including industry leaders like Better Mortgage, Brex, Enova, Nova Credit, PayPal, Plaid, SoFi, and Square—Ocrolus stands at the forefront of AI innovation in fintech. Join us, and help redefine how the world’s most innovative lenders do business.

About the Role

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 a

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.

Required Skills & Experience

• 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.

Life at Ocrolus

We’re a team of builders, thinkers, and problem solvers who care deeply about our mission — and each other. As a fast-growing, remote-first company, we offer an environment where you can grow your skills, take ownership of your work, and make a meaningful impact.

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.