Build, lead, and manage a non-QM underwriting team across DSCR, RTL, and consumer products.
Develop, refine, and enforce underwriting guidelines across all products.
Review files prior to submission to Correspondent Lenders.
Own end-to-end underwriting workflows, including file review, conditions, exception handling, and final credit decisions.
Ensure loans are structured, underwritten, and delivered in line with credit policy and investor requirements.
Drive underwriting speed and efficiency by managing pipelines, setting SLAs, and removing bottlenecks.
Monitor portfolio performance, identify emerging risks, and implement adjustments to credit policy.
Establish and enforce QC processes to ensure accuracy, consistency, and compliance.
Define and manage exception frameworks, ensuring disciplined approvals with appropriate documentation.
Track and report on key underwriting metrics, including turn times, approval rates, exception rates, and loan performance.
Ensure all underwriting activity complies with applicable federal and state regulations.

10+ years of mortgage underwriting leadership experience.
Deep experience with non-QM products, including DSCR, bridge/RTL, and investor lending.
Strong understanding of credit risk, loan structuring, and income/asset analysis across complex borrower profiles.
Experience building or scaling underwriting teams and processes in a high-growth environment.
Strong familiarity with LOS systems and underwriting workflows.
Ability to balance speed and risk in a production-driven environment.
Excellent analytical, decision-making, and leadership skills.

Head of Underwriting – Mortgage Lending

Key skills