Job Description

HomeXpress – Your Leading Non-QM Mortgage Lender.

Join our growing team and be part of the Top Non-QM Lender in the Business.

We are known for closing mortgage loans with speed, ease, and convenience.

Licensed in 46 States, we provide brokers with a full suite of mortgage products, including VA, FHA, & FHLMC.

If you have a service first mentality and thrive in a fast-paced environment, HomeXpress is the place for you.

Join us as we continue to grow and expand our business to the Non-Delegated Correspondent Channel!

Job Title: Underwriting Team Lead

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
• Results driven
• Communication proficiency
• 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.