Job Description

About Us

Finance of America helps homeowners 55+ access the equity they’ve built while staying in full control of their home and their financial future. Through a range of reverse mortgage solutions, we help customers shape the retirement they’ve earned while continuing to evolve how we serve and work together.

Joining Finance of America now means stepping into a period of momentum and growth, with teams actively shaping what comes next and opportunities to make an impact and grow your career.

To learn more about us, visit www.financeofamerica.com

Purpose of Role

Responsible for leading the underwriting organization with a primary focus on team leadership, pipeline management, and workflow optimization. Ensures underwriting operations are efficient, scalable, and aligned with business objectives while maintaining strong collaboration across departments. Drive the adoption of technology, automation, and AI-enabled tools to enhance underwriting productivity, consistency, and quality across HECM and proprietary reverse mortgage products.

Key Responsibilities and Expectations

• Leads and manages the reverse mortgage underwriting team, including managers, team leads, and underwriters, ensuring strong performance, accountability, and development.
• Oversees underwriting pipeline management to ensure appropriate prioritization, workload balance, and adherence to service level agreements (SLAs).
• Evaluates and continuously improves underwriting workflows to drive efficiency, consistency, and scalability.
• Partners with Processing, Closing, Sales, QC, and other departments to ensure seamless workflow integration and reduce bottlenecks.
• Champions the use of technology, automation, and AI tools to streamline underwriting processes and reduce manual effort.
• Identifies opportunities to enhance workflow through system improvements, LOS optimization, and automation of repetitive tasks.
• Ensures underwriting decisions are accurate, compliant, and aligned with FHA/HUD, HECM, and proprietary product guidelines.
• Establishes and monitors key performance indicators (KPIs) related to turn times, quality, productivity, and pipeline health.
• Uses reporting and data analysis to identify trends, inefficiencies, and areas for improvement.
• Manages complex underwriting escalations, exception requests, and guideline interpretations.
• Collaborates with Risk, Compliance, and Credit Policy teams to ensure adherence to regulatory and investor requirements.
• Drives continuous improvement initiatives that enhance borrower experience and internal efficiency.
• Supports capacity planning, staffing models, and resource allocation to meet business demands.
• Leads change management efforts related to process improvements, system enhancements, and new technology adoption.
• Promotes and implements AI and automation solutions to improve underwriting workflow efficiency.
• Leverages data and analytics to support decision-making and pipeline visibility.
• Partners with Technology and Product teams to design and implement workflow enhancements.
• Drives adoption of tools that support document review, data validation, and condition management.
• Ensures all technology solutions are implemented with appropriate controls, compliance oversight, and auditability.
• Performs other duties and responsibilities as assigned.

Reports To

• SVP, Underwriting
• Direct Reports
• Direct: 5 - 7 Underwriting Managers or AVPs
• Indirect: 40 - 50 Underwriters and Underwriting Support Team

Qualifications - Experience/Skills/Competencies

• Minimum 10 years of mortgage underwriting experience, with significant reverse mortgage experience.
• Minimum 5 years of leadership experience managing underwriting teams or operations.
• Deep knowledge of HECM, FHA/HUD guidelines, and reverse mortgage underwriting practices.
• Strong experience managing pipelines, workflows, and operational performance.
• Proven ability to improve efficiency, turn times, and quality metrics.
• Experience working with underwriting technology, LOS systems (Encompass preferred), and automation tools.
• Strong analytical, organizational, and communication skills.
• Ability to lead in a fast-paced, evolving environment.
• Strong focus on operational efficiency and continuous improvement.
• Forward-thinking mindset with interest in leveraging AI and automation.
• Collaborative leadership style with ability to influence across departments.
• Strong problem-solving skills with focus on root cause analysis.
• Ability to balance speed, quality, and risk management.
• Proficiency in MS Office Suite.

Qualifications - Education - Required

• Bachelor's Degree

Compensation

The base salary range for this position is ($150,000 - $200,000) inclusive of all geographical differences in the labor market. The base salary for the position will be determined based on factors such as the candidate’s work location, skills, education, and experience. In addition to those factors, we believe in the importance of pay equity and consider the internal equity of our current team members in determining any final offer. We offer a competitive benefits package including health, dental, vision, life insurance, paid time-off benefits, flexible spending account, 401(k) with employer match, and ESPP.

Additional Information

The application deadline for this job opportunity is 7/20/2026.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.

Finance of America is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, sex (including pregnancy), sexual orientation, religion, creed, age, national origin, physical or mental disability, gender identity and/or expression, marital status, veteran status or other characteristics protected by law.