Underwriting Manager | Sage Home Loans

Preference for a hybrid schedule and be based in our South Charlotte, NC Headquarters (Tuesday through Thursday) and work fully remotely on Mondays and Fridays each week.

For the Sage Home Loans website click here. Curious how Sage Home Loans fits into Red Ventures? Click here. 

Sage Home Loans is redefining the mortgage experience by combining innovative technology with exceptional human expertise. As an Underwriting Manager, you’ll lead and develop a team of underwriters responsible for delivering high-quality, compliant residential mortgage decisions with both speed and precision. This role balances people leadership and hands-on underwriting expertise, partnering closely with cross-functional teams to improve processes, raise quality standards, and ensure we consistently win the right way—for our clients and our teammates. 

What You’ll Do:

• Lead, coach, and support a team of underwriters reviewing residential real estate–secured loans, including Conventional, FHA, VA, and Jumbo products.

• Monitor underwriting queues, productivity, and SLA performance, adjusting resources in real time to meet business needs.

• Serve as a subject matter expert in residential underwriting, maintaining deep knowledge of Agency, FHA, VA, Jumbo, and investor-specific overlays.

• Utilize both manual and automated underwriting systems to determine appropriate conditions and loan decisions in accordance with investor guidelines.

• Approve loans within delegated lending authority, review and sign off on secondary market loan denials, and escalate loans above authority as needed.

• Review, trend, and remediate quality control findings, post-close purchase delays, and repurchase demands.

• Drive operational initiatives, benchmarks, and performance metrics to improve quality, efficiency, and consistency across the underwriting team.

• Identify and lead process improvement efforts in partnership with cross-functional leaders to optimize the origination experience.

• Support the development, documentation, and refinement of underwriting processes and technology enhancements.

• Assist with training and knowledge-sharing initiatives within underwriting and across partner departments.
• Operate effectively within an automated underwriting environment and an Encompass-based lender platform.

What We’re Looking For:

• Prior leadership experience within a residential mortgage underwriting function.

• Experience underwriting loans for sale in the secondary market and for portfolio retention.

• Strong expertise evaluating residential mortgage and home equity loan applications.

• Proven ability to analyze complex data, investor guidelines, and technical issues to reach sound underwriting decisions.

• Working knowledge of Agency, FHA, VA, Jumbo, and investor overlay requirements.

• Strong communication skills and the ability to collaborate effectively with loan officers, vendors, and internal partners.

• Comfort working with PC-based software applications, including Word and Excel.

• College coursework in Business Administration or a related field, or equivalent experience.
• A leadership approach grounded in accountability, coaching, and continuous improvement.

Compensation: 

This range reflects total cash compensation, which may include base salary only or base salary plus target bonus, depending on the role. Where eligible, equity may also be offered separately and not included below. Actual compensation varies based on location, experience, and qualifications.

• Total Cash Compensation Range: $120,000 per year, plus applicable incentive

Additionally, the following benefits are provided by Red Ventures, subject to eligibility requirements.

• Health Insurance Coverage (medical, dental, and vision)
• Life Insurance
• Short and Long-Term Disability Insurance
• Flexible Spending Accounts
• Holiday Pay
• 401(k) with match
• Employee Assistance Program
• Paid Parental Bonding Benefit Program
• Flexible Paid Time Off (PTO): We believe time to rest and recharge is essential.  That’s why we offer a generous and flexible PTO policy.  Full-time employees accrue 20 days of PTO for a full calendar year annually, with an increase to 25 days after five years of service.

Who We Are:

Sage Home Loans Corporation is a digital mortgage lender solution redefining the mortgage origination experience. By building new technology solutions, we're creating simple and clean customer experiences to simplify the mortgage application process. Our team has developed a fully digital online application that enables the user to complete their application and start looking for the right mortgage that matches their needs 24/7. We then marry the digital journey with exceptional human interaction from our expert Loan Officers to create the best possible borrower experience.  

Red Ventures is a global portfolio of high-growth companies — spanning several U.S. businesses, a joint venture in the health services industry, and strategic investments in Europe and Puerto Rico. Their businesses include The Points Guy, Lonely Planet, Bankrate, the Allconnect Platform, RV Home Client Growth, RV Growth & Transformation, Sage Home Loans Corporation, RV Education and more. Across the portfolio, Red Ventures businesses deliver seamless digital experiences for consumers, help Fortune 100 clients solve large-scale digital growth challenges, and create world-class experiences and opportunities for employees. Learn more at redventures.com and follow @RedVentures on LinkedIn and Instagram.

At Red Ventures, we believe diverse, inclusive teams are better. To help you better understand our core values and beliefs, we encourage you to watch this brief YouTube video: Our Belief Statements. This will give you insight into the principles that guide our work and our commitment to fostering an inclusive environment.

 We offer competitive salaries and a comprehensive benefits program for full-time employees, including medical, dental and vision coverage, paid time off, life insurance, disability coverage, employee assistance program, 401(k) plan and a paid parental leave program.

Red Ventures is an equal opportunity employer that does not discriminate against any employee or applicant because of race, creed, color, religion, gender, sexual orientation, gender identity/expression, national origin, disability, age, genetic information, veteran status, marital status, pregnancy or any other basis protected by law. Employment at Red Ventures is based solely on a person's merit and qualifications. 

We are committed to providing equal employment opportunities to qualified individuals with disabilities. This includes providing reasonable accommodation where appropriate. Should you require a reasonable accommodation to apply or participate in the job application or interview process, please contact accommodation@redventures.com. 

If you are based in California, we encourage you to read this important information for California residents linked here.

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