Non-QM Underwriting Manager - East Coast

The Team: At Kind Lending, our family of diverse and talented Kind Ambassadors are the driving force behind our new approach to the mortgage experience. They're the heart and soul of the organization and our "People Before Profits" mentality shines through in every department. Kind Lending is growing and is looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset.

Kind Lending is determined to provide the best service in the industry while also providing home buyers with a great selection of products to enhance their buying experience. Backed by our trusted leadership team, Kind Lending's friendly and professional model puts the “fun” in funding.

At Kind Lending, our family of diverse and talented Kind Ambassadors are the driving force behind our new approach to the mortgage experience. They're the heart and soul of the organization and our "People Before Profits" mentality shines through in every department. Kind Lending is growing and is looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset.

Kind Lending is determined to provide the best service in the industry while also providing home buyers with a great selection of products to enhance their buying experience. Backed by our trusted leadership team, Kind Lending's friendly and professional model puts the “fun” in funding.

The NON-QM Underwriting Manager holds a senior leadership role within the lending process, overseeing Underwriting Team Leads and their teams of 8-10 mortgage underwriters to ensure efficient, accurate, and compliant evaluation of residential mortgage loan applications. This role is responsible for leading and developing the underwriting function while maintaining a strong focus on risk management, regulatory compliance, and consistent adherence to company lending guidelines and applicable investor or agency requirements.

The NON-QM Underwriting Manager brings a strategic mindset, deep underwriting expertise, and strong communication skills to drive informed decision-making and support the overall success of the organization's lending operations.

Fully Remote schedule available for EAST COAST TIME ZONE.

The starting base pay range for this position is $130k to $150k/annually. The actual base is dependent on many factors such as: work experience, business needs, market demands, and other compensation components. The base pay range is subject to change and may be modified in the future.

• 7+ years of experience in wholesale mortgage underwriting with progressively increasing responsibility, including prior supervisory or management experience; experience overseeing Underwriting Team Leads and Underwriting Teams of 8-10 individuals preferred.
• Bachelor's degree in finance, business, economics, or a related field, or equivalent work experience.
• Solid knowledge of NON-QM and FNMA underwriting guidelines and requirements.
• Focus on income type products such as DSCR, Bank Statement, Asset Utilization, 1099, WVOE Only, as well as traditional Full Doc income calculations.
• Strong leadership skills with a proven track record of effectively managing, coaching, and developing teams at all position levels.
• In-depth knowledge of mortgage regulations, compliance standards, and industry best practices.
• Expertise in mortgage underwriting software and technology solutions; preferred knowledge of Blue Sage LOS.
• Strong command of manual underwriting requirements within NON-QM programs.
• Analytical mindset with the ability to interpret complex financial information and assess credit and operational risk.
• Strategic thinking skills to contribute to the development and refinement of underwriting policies and guidelines.
• Excellent verbal and written communication skills with the ability to develop strong relationships with sales partners, direct reports, and internal stakeholders.
• Detail-oriented, organized, and self-motivated with the ability to prioritize competing demands in a high-volume environment.
• Ability to consistently maintain high levels of performance under pressure and meet tight deadlines.
• Provide guidance, mentorship, and underwriting support to junior underwriters and team members.
• Proficiency with Microsoft Office Suite (Word, Excel, Outlook) and standard internet browsers.

• Manage Underwriting Team Lead and mortgage underwriter team of 8-10 individuals, delivering guidance, training, and support to ensure consistent and high-quality underwriting decisions.
• Serve as the primary escalation point for complex or high-risk underwriting cases, providing expert guidance to Team Leads and underwriters in making well-informed lending decisions.
• Lead with a positive attitude, conduct regular audits of underwriting decisions and condition language, and maintain open communication with internal and external stakeholders.
• Oversee the review of mortgage…