Senior Underwriting Manager, Home Lending

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for...

We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that s...

7+ years of residential mortgage underwriting experience, including experience underwriting complex borrower scenarios.
3+ years of people leadership experience managing mortgage underwriters or underwriting teams.
Demonstrated experience evaluating borrower income, assets, credit, collateral, and debt-to-income calculations.
Experience applying conventional mortgage underwriting guidelines and credit policies to loan decisions, complex scenarios, and exceptions.
Experience interpreting and implementing changes to mortgage credit policies, investor guidelines, or underwriting requirements.
Experience partnering with Credit, Risk, Compliance, or other stakeholders within a regulated mortgage lending environment.
Deep knowledge of the end-to-end residential mortgage origination lifecycle, including processing, underwriting, closing, and post-closing.
Knowledge of agency, investor, and regulatory requirements applicable to residential mortgage underwriting.
Experience underwriting home equity products, including HELOCs.
Experience using underwriting quality, performance, and exception data to identify trends and improve decision-making.
Experience partnering with Product and Engineering teams to improve underwriting workflows, decisioning tools, or lending technology.
Ability to translate complex credit policies and guidelines into clear guidance for underwriting teams.
Experience leading underwriting teams through significant credit policy, product, or technology changes.