Remote Senior Underwriting Manager – Home Lending

Upstart; United States; Remote; USD 105,000 - 145,000; Full time

Benefits offered by this job

Competitive compensation

Annual equity grants

401(k) matching up to $15k

Employee stock purchase plan (ESPP)

Health coverage

Paid time off

Remote-friendly culture

Office access in US offices

Job summary

Upstart is seeking a Senior Underwriting Manager to lead the Home Lending Underwriting team, translating credit policy into actionable underwriting practices while guiding frontline teams. You’ll collaborate with Credit Strategy, Product, Risk, Compliance, and Operations to improve decisioning and ensure consistent, compliant lending.

You will develop talent, drive quality improvements, and shape underwriting workflows with Product and Engineering to deliver faster, fairer credit decisions for

Qualifications

• 7+ years of residential mortgage underwriting experience.
• 3+ years of people leadership experience.
• Experience evaluating borrower income, assets, credit, and debt-to-income calculations.
• Experience applying conventional mortgage underwriting guidelines and credit policies.
• Experience interpreting and implementing changes to mortgage credit policies or guidelines.
• Experience partnering with Credit, Risk, Compliance, or other stakeholders in a regulated mortgage lending environment.

Responsibilities

• Lead and develop a high-performing team of mortgage underwriting professionals responsible for delivering accurate, timely, and consistent credit decisions.
• Serve as a subject matter expert on residential mortgage underwriting, providing guidance on complex borrower scenarios, income analysis, assets, credit, collateral, debt-to-income calculations, and exceptions.
• Ensure underwriting decisions are consistently executed in accordance with established credit policy, investor guidelines, and regulatory requirements.
• Partner with Credit Strategy to interpret and operationalize credit policy, resolve complex underwriting questions, and provide frontline insights that inform future policy decisions.
• Monitor underwriting performance, quality results, exception trends, and recurring issues to identify opportunities to improve decision quality and the borrower experience.
• Establish effective escalation and decision-making practices for complex or ambiguous loan scenarios, ensuring underwriting teams receive timely and consistent guidance.
• Partner with Product and Engineering to improve underwriting workflows, tools, and technology, bringing the voice of the underwriter into product development and prioritization.
• Collaborate with Risk, Compliance, Operations, and other cross-functional partners on changes that impact underwriting and ensure underwriting considerations are represented in business decisions.
• Develop underwriting talent and subject matter expertise across the organization through coaching, knowledge sharing, and effective training.

Skills

Mortgage underwriting

People leadership

Income analysis

Regulatory compliance

Credit policy interpretation

Job description

Upstart is seeking a Senior Underwriting Manager to lead the Home Lending Underwriting team, translating credit policy into actionable underwriting practices while guiding frontline teams. You’ll collaborate with Credit Strategy, Product, Risk, Compliance, and Operations to improve decisioning and ensure consistent, compliant lending.

You will develop talent, drive quality improvements, and shape underwriting workflows with Product and Engineering to deliver faster, fairer credit decisions for