Underwriting Manager

The Underwriting Manager is responsible for leading the underwriting team, ensuring accurate risk assessment, compliance, and strategic alignment with business goals.

• Oversee daily underwriting operations to meet service and quality standards.
• Review and approve complex or high-value cases.
• Provide technical guidance and mentoring to underwriters.
• Review and respond to deficiencies post-close.
• Perform other duties as assigned.

• Develop and maintain underwriting policies and procedures.
• Learn and maintain knowledge of various loan program guidelines.
• Ensure adherence to regulatory requirements and internal audit standards.
• Monitor performance metrics and prepare regular reports for leadership.

• Analyze market trends and adjust underwriting strategies to maintain competitiveness.
• Identify new risk factors and recommend product or process enhancements.
• Collaborate with Sales, Actuarial, and Product teams to align underwriting with business objectives.

• Foster a positive team culture based on trust and mutual respect.
• Recruit, train, and develop underwriting staff.
• Serve as liaison between underwriting and other departments.
• Conduct regular performance reviews and implement performance improvement plans.
• Issue disciplinary actions and terminations when required.

• Minimum 7+ years underwriting experience in mortgage banking; or equivalent combination of education and experience.
• Minimum 3 years of previous management experience required.
• Knowledge of Conforming, FHA, VA and USDA Programs and guidelines.
• Must have current FHA Chums/DE Underwriting r with a minimum of 7 years’ experience.
• VA LAPP recommended but not required.
• Non-QM experience recommended but not required.
• Experience with Encompass recommended but not required.
• Strong analytical, organizational, and communication skills.
• Proven ability to manage compliance and innovate processes.
• Ability to work under pressure on multiple projects within deadlines.
• Ability to effectively prioritize workload and manage changes in direction.
• Ability to work flexible hours when needed.

• As needed travel internationally between United States and Mexico to meet business needs.

• PMG will offer a competitive compensation package commensurate with the background and experience of the applicant.

Panorama Mortgage Group is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, physical or mental disability, protected veteran status, or any other characteristic protected by applicable federal, state, or local law.