Underwriting Manager

Who You Are

As Hometap's Underwriting Manager, you'll own day-to-day management of the underwriting team, reporting to the Director of Originations. You're responsible for running current and future team operations to hit individual, team, and company metrics, supporting individual development, resolving escalations, identifying opportunities for improvement, and working cross-functionally to build solutions. This work sits at the center of Hometap's investment process, helping fulfill the mission of making homeownership less stressful and more accessible.

You'll need to be execution-oriented with exceptional attention to detail, and able to think critically about risk on a unique product as guidelines and market conditions shift. Following existing processes while iterating on future versions of them will be central to the role. You're a great fit if you bring several years of residential underwriting experience, experience managing a production-based team, and the attention to detail needed to catch what others miss.

What You'll Do

• Own day-to-day management of the underwriting team, driving productivity, accuracy, service quality, and guideline adherence
• Partner cross-functionally with Sales, Processing, and Closing teams
• Evaluate applicant information against underwriting criteria to flag high-risk cases, confirm application completeness, and make investment recommendations
• Serve as the first point of contact for eligibility escalations
• Advise the team on investment decisions for edge cases and escalations, in line with Hometap's risk threshold
• Identify and mitigate underwriting risks, including monitoring QC error trends and emerging risk patterns
• Coach and develop underwriters to drive high performance in pipeline management, communication, and quality
• Ensure team members adhere to investor guidelines and Hometap procedures
• Participate in recruiting, career development, and succession planning for the team
• Propose actionable plans and adapt underwriting processes as circumstances change

What You Bring

• 5+ years of underwriting experience in residential finance
• 2+ years of experience managing a production-based team
• Extraordinary attention to detail, with strong proofreading and fact-checking skills
• Strong critical thinking and decision-making skills, particularly in nuanced, gray-area situations
• Comfortable working with legal and compliance leaders to escalate potential issues
• Ability to multitask and work under pressure in a deadline-driven environment
• Experience managing, motivating, and developing a team
• Proactive approach to daily work, with the ability to juggle multiple responsibilities
• Clear, effective communication skills, with the ability to work well across Sales, Processing, and Closing
• Strong client service skills
• Bachelor's degree, ideally in business, finance, or a related field

The salary range for this role is $110,000 - $125,000, depending on your experience, skills, location, and other factors. You’ll also be eligible for additional incentives and receive meaningful equity, so you can share in our growth and success. We offer generous medical, dental, and vision coverage, a work-from-home stipend, parental leave, and plenty of paid time off to recharge.