Underwriting Team Lead

HomeXpress Mortgage Corp; Santa Ana (CA); On-site; USD 105,000 - 115,000; Full time

Job summary

HomeXpress Mortgage Corp in Santa Ana is looking for an Underwriting Team Lead to supervise a team of 10+ Underwriters. This role includes overseeing the underwriting pipeline, analyzing files for compliance with credit policies, and leading training and development initiatives.

The ideal candidate has over 10 years of mortgage underwriting experience and a Bachelor's degree in Business or Finance. The position offers a competitive salary between $105,000 and $115,000 per year.

Qualifications

• 10+ years of experience in mortgage underwriting.
• Computer proficiency in Excel, Word, Outlook, and various LOS.
• Ability to communicate issues between several audiences proficiently.

Responsibilities

• Oversight of Underwriting pipeline.
• Analysis of submitted files for repayment capacity and collateral.
• Lead all aspects of team development, including training and onboarding.

Skills

Detail oriented

Self-Starter

Strong decision making

Problem solving

Time management

Education

Bachelor's Degree in Business, Finance, or related field

Tools

Excel

Word

Outlook

Various LOS

Job description

• Compensation: USD 105,000 - USD 115,000 - yearly

Job Description

Department: Operations

Reports To: VP of Operations/VP of Underwriting

FLSA Status: Non-Exempt

Management: No

Salary Range: $105,000 - $115,000/yr

PRIMARY FUNCTIONS: The Underwriting Team Lead will work with our Retail and Wholesale team to ensure mortgage loan applications meet program/product specification. Oversight includes a team of 10+ Underwriter, including Junior and Senior positions.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Oversight of Underwriting pipeline
• Analysis of submitted files for repayment capacity, capital, character, collateral, and property condition while adhering to Home Xpress credit policies
• Communicate decisions to appropriate individuals
• Communicate changes in deadlines, schedules, etc. to all required parties
• Lead all aspects of team development, including recruiting, interviewing, hiring, onboarding, and ongoing training of underwriting staff
• Conduct candidate interviews to assess technical expertise, decision‑making ability, and cultural alignment
• Develop and deliver training programs, job aids, and reference materials to reinforce underwriting guidelines and best practices
• Provide ongoing coaching, performance management, and skill development to drive accountability and results
• Ensure alignment between training, credit policy, quality control findings, and compliance requirements
• Identify and address skill gaps through targeted development plans and calibration sessions
• Drive continuous improvement through training, process optimization, and adoption of technology and automation initiatives

DESIRED PERSONAL CHARACTERISTICS:

• Detail oriented and committed to the highest quality
• Self‑Starter with positive Can‑Do attitude
• Works well under pressure and relishes the responsibility that comes with the job
• Problem solving and analysis
• Decision making
• An open‑minded individual that embraces change and innovation

JOB REQUIREMENTS:

EDUCATION:

• Bachelor’s Degree in Business, Finance, or related field preferred

EXPERIENCE:

• 10+ years of experience in mortgage underwriting
• Computer proficient in Excel, Word, Outlook, and various LOS
• Demonstrate strong history of good time management skills, decision‑making ability, and attention to detail.
• Ability to communicate issues between several audiences proficiently
• Achieves and exceeds work goals for productivity, quality, and turnaround time by prioritizing workflow and managing pipeline

PHYSICAL REQUIREMENTS:

• This position is in an office setting with computer and general office equipment. The position requires the ability to move freely around within the department and other department locations.

Additional Information

All your information will be kept confidential according to EEO guidelines.