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Underwriting Manager - Mortgage Lending at Truehold. Location Information: . We are one of the country’s premier housing platforms, with a nationwide footprint and rapidly expanding mortgage operation focused on non-QM products, including DSCR, fix-and-flip/RTL, and consumer loans. We operate in a performance-driven environment with a strong emphasis on speed, quality, and risk management.. We are seeking an experienced Underwriting Manager to build, lead, and scale a high-performing underwriting organization. This role will own credit policy, underwriting quality, and decisioning speed, ensuring we balance risk management with aggressive growth targets.. Responsibilities. Team Leadership and Management:. Build, lead, and manage a non-QM underwriting team across DSCR, RTL, and consumer products. Establish clear performance expectations and hold the team accountable to SLAs, quality standards, and productivity metrics.. Credit Policy Ownership:. Develop, refine, and enforce underwriting guidelines across all products. Continuously evolve credit policy based on performance data, market conditions, and investor requirements.  Present guidelines and metrics to Investors and Sr Management.. Underwriting: . Review files prior to submission to Correspondent Lenders.  Be able to articulate positions to ensure proper loan conditions and approvals. . Underwriting Operations:. Own end-to-end underwriting workflows, including file review, conditions, exception handling, and final credit decisions. Ensure consistent, high-quality decisioning across the portfolio.. Loan Delivery:. Ensure loans are structured, underwritten, and delivered in line with credit policy and investor requirements. Manage conditions, exceptions, and file quality to drive clean submissions and efficient execution.. Turn Time & Throughput Management:. Drive underwriting speed and efficiency by managing pipelines, setting SLAs, and removing bottlenecks to support origination volume.. Risk & Credit Oversight:. Monitor portfolio performance, identify emerging risks, and implement adjustments to credit policy and underwriting standards to protect loan performance.. Quality Control:. Establish and enforce QC processes to ensure accuracy, consistency, and compliance across all underwriting decisions.. Exception Management:. Define and manage exception frameworks, ensuring disciplined approvals with appropriate documentation and risk controls.. Reporting & Analytics:. Track and report on key underwriting metrics, including turn times, approval rates, exception rates, and loan performance. Provide actionable insights to leadership.. Compliance:. Ensure all underwriting activity complies with applicable federal and state regulations, as well as internal policies and investor guidelines.. Cross-Functional Collaboration:. Partner closely with sales, capital markets, and operations to align credit policy with growth objectives while maintaining disciplined risk management.. Qualifications. 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.. Skills. Strong credit judgment and risk assessment. Operational leadership and process optimization. Data-driven decision making. Attention to detail and consistency. Ability to operate in a fast-paced, high-growth environment