Regional Underwriting Manager

Job Profile

Regional Underwriting Manager – Rate

Rate is a nationally recognized retail mortgage lender, first established in 2000 and headquartered in Chicago. It operates across all 50 states and D.C., supporting more than 2 million homeowners through a range of loan products.

Base salary range: $115,000 to $120,000 annually.

• Create and maintain a productive, performance‑driven environment that values teamwork.
• Plan, coordinate, direct, review and supervise the underwriting of mortgage loans.
• Oversee underwriting to ensure adherence to all agency, investor, and industry guidelines.
• Review and analyze file documentation related to the loan decision and properly mitigate and document policy exceptions.
• Ensure compliance with regulatory requirements, including QM, ATR, HMDA, RESPA, ECOA, AIR, SAFE Act, etc.
• Maintain the integrity of loan data entered and maintained in Encompass LOS, AUS and other required systems throughout the underwriting process.
• Collaborate with management internally and externally.
• Monitor internal audit results and suspensions to identify improvement and training opportunities.

• Proficiency in MS Office (Word, Excel, PowerPoint, Outlook).
• Strong knowledge of state and federal mortgage regulations (QM, ATR, RESPA, ECOA, AIR, etc.).
• Excellent customer service skills with strong attention to detail.
• Strong analytical skills and high accuracy.
• Time‑management skills and ability to prioritize workload.

Rate offers a comprehensive benefits program to eligible employees, including:

• Company‑sponsored 401(k) plan
• Vacation and paid time off
• Medical, dental, vision, and prescription drug coverage
• Flexible benefits, such as health care or dependent care flexible spending accounts
• Life insurance and death benefits
• Critical care and personal accidental insurance
• Commuter and pet insurance
• Well‑being programs and employee assistance
• Additional supplemental benefits such as legal planning assistance, identity theft protection, and wellness resources

Rate is an Equal Opportunity Employer and encourages applications from all qualified individuals regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity, marital or parental status, ancestry, citizenship status, pregnancy or any other condition protected by law.