Underwriting Manager

Hometap; United States; Hybrid; USD 110,000 - 125,000; Full time

Benefits offered by this job

Equity opportunities

Medical, dental, vision coverage

Work-from-home stipend

Parental leave

Paid time off

Job summary

Hometap is seeking an Underwriting Manager to lead day-to-day operations of the underwriting team, reporting to the Director of Originations. You will drive productivity, manage risk, and partner across Sales, Processing, and Closing to hit company metrics.

You bring 5+ years in residential underwriting, 2+ years in people management, and a strong eye for detail, enabling scalable processes and cross-functional collaboration. Equity and healthcare accompany the role.

Qualifications

• 5+ years of underwriting experience in residential finance.
• 2+ years of experience managing a production-based team.
• Excellent attention to detail and strong proofreading skills.
• Ability to assess risk in evolving market conditions and guidelines.

Responsibilities

• Oversee day-to-day management of the underwriting team to meet metrics.
• Collaborate with Sales, Processing, and Closing teams.
• Evaluate information against underwriting criteria to flag risks and make recommendations.
• Serve as the primary contact for eligibility escalations.
• Mentor underwriters to improve pipeline management and quality.
• Ensure adherence to investor guidelines and internal procedures.
• Participate in recruiting and career development for the team.

Skills

Underwriting

Team management

Attention to detail

Risk assessment

Communication

Education

Bachelor's degree in business, finance, or related field

Job description

Here at Hometap, we’re collaborative, passionate, and always ready to roll up our sleeves to create solutions that help people get more out of homeownership — and out of life. Our first product, a home equity investment, gives homeowners the opportunity to quickly access the equity they’ve built in their home to pay for what’s most important to them, from handling debt to finally making much-needed renovations, without taking on debt.

We work hard, and have some fun along the way, too. You don’t have to take our word for it: The Boston Globe and Forbes have recognized us as a great place to work, and we’ve been honored for our commitment to innovation in the fintech space by Inc., HousingWire, and more!

In case you need any more convincing, we also provide competitive compensation, healthcare coverage, generous PTO, a meaningful equity package, and a strong culture with plenty of opportunities for team-building and camaraderie.

Interested in joining us on our mission to make homeownership less stressful and more accessible? We’d love to talk.

Who You Are

As Hometap's Underwriting Manager, you'll own day-to-day management of the underwriting team, reporting to the Director of Originations. You're responsible for running current and future team operations to hit individual, team, and company metrics, supporting individual development, resolving escalations, identifying opportunities for improvement, and working cross-functionally to build solutions. This work sits at the center of Hometap's investment process, helping fulfill the mission of making homeownership less stressful and more accessible.

You'll need to be execution-oriented with exceptional attention to detail, and able to think critically about risk on a unique product as guidelines and market conditions shift. Following existing processes while iterating on future versions of them will be central to the role. You're a great fit if you bring several years of residential underwriting experience, experience managing a production-based team, and the attention to detail needed to catch what others miss.

What You'll Do

• Own day-to-day management of the underwriting team, driving productivity, accuracy, service quality, and guideline adherence
• Partner cross-functionally with Sales, Processing, and Closing teams
• Evaluate applicant information against underwriting criteria to flag high-risk cases, confirm application completeness, and make investment recommendations
• Serve as the first point of contact for eligibility escalations
• Advise the team on investment decisions for edge cases and escalations, in line with Hometap's risk threshold
• Identify and mitigate underwriting risks, including monitoring QC error trends and emerging risk patterns
• Coach and develop underwriters to drive high performance in pipeline management, communication, and quality
• Ensure team members adhere to investor guidelines and Hometap procedures
• Participate in recruiting, career development, and succession planning for the team
• Propose actionable plans and adapt underwriting processes as circumstances change

What You Bring

• 5+ years of underwriting experience in residential finance
• 2+ years of experience managing a production-based team
• Extraordinary attention to detail, with strong proofreading and fact-checking skills
• Strong critical thinking and decision-making skills, particularly in nuanced, gray-area situations
• Comfortable working with legal and compliance leaders to escalate potential issues
• Ability to multitask and work under pressure in a deadline-driven environment
• Experience managing, motivating, and developing a team
• Proactive approach to daily work, with the ability to juggle multiple responsibilities
• Clear, effective communication skills, with the ability to work well across Sales, Processing, and Closing
• Bachelor's degree, ideally in business, finance, or a related field

The salary range for this role is $110,000 - $125,000, depending on your experience, skills, location, and other factors. You’ll also be eligible for additional incentives and receive meaningful equity, so you can share in our growth and success. We offer generous medical, dental, and vision coverage, a work-from-home stipend, parental leave, and plenty of paid time off to recharge.

Hometap is on a mission to make homeownership less stressful and more accessible. Our home equity investment product provides homeowners with a fast, simple, and straightforward way to access the equity in their home without taking out a loan or having to sell. By investing alongside homeowners, Hometap offers debt-free cash in exchange for a share of their home’s future value — all without any monthly payments over the life of the investment. Through a combination of financial innovation and best-in-class customer service, Hometap enables people to get more from homeownership so they can get more from life.

Hometap believes that our differences are what bring us together, and one of our biggest priorities is creating a diverse workplace that welcomes and values each team member’s unique perspective, background, and ideas. All roles here are filled based solely on candidates’ qualifications and our business needs.

Hometap is an equal opportunity employer. We provide employment opportunities regardless of race, age, color, religion, sex, sexual orientation, gender, gender identity, gender expression, genetic information, national origin, pregnancy, marital, veteran, or disability status. If there is an accommodation that would support your ability to apply and interview with Hometap, please let us know by emailing [e-mail].