{"id":2867857,"url":"https://alion.io/job/cascade-loans-underwriting-manager","title":"Underwriting Manager","company":{"id":669688,"name":"Cascade Loans","domain":"cascadeloans.com","url":"https://alion.io/company/cascadeloans","size_band":"201-500","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Greenhouse","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"senior","employment_type":null,"work_mode":"remote","remote_scope":"stated_countries","remote_scope_basis":"board_field","remote_working_hours":null,"hiring_geo_confidence":"structured","locations":[],"countries":[],"hiring_countries":["US"],"hiring_countries_total":1,"salary":null,"salary_estimate":{"min_usd":82000,"max_usd":158000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":932},"experience_years_min":5,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Microsoft Excel","optional":false}],"status":"live","first_seen_at":"2026-10-19T16:36:19Z","employer_posted_date":"2026-10-19","last_verified_at":"2026-10-21T06:17:56Z","board_verified":true,"closed_at":null,"days_open":1,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":1},"description":"Medical, Dental, Vision, Life, 401K match, PTO, Sick Time, 10 Paid Holidays, Remote work opportunities\nWhat you'll do at Cascade:\nServe the American Dream Through Attainable Home Ownership.\nPosition Overview\nThe Agency Underwriting Manager is responsible for leading the day-to-day operations, performance, and strategic development of the Agency Underwriting Department. This role oversees underwriting quality, productivity, service levels, staffing capacity, and operational efficiency while ensuring compliance with agency guidelines, applicable federal and state regulations, and company credit policies.\nThe Agency Underwriting Manager establishes departmental goals, key performance indicators (KPIs), and operational benchmarks to drive consistent results, maintain service-level expectations, and support overall business objectives. This position monitors underwriting production, turnaround times, quality trends, workflow distribution, and staffing capacity to identify opportunities for improvement and ensure resources are aligned with business demand.\nIn addition to managing department performance, the Agency Underwriting Manager is responsible for coaching and developing underwriting staff, strengthening technical expertise, establishing consistent underwriting practices, and fostering a culture of accountability, collaboration, and continuous improvement. This role partners with senior leadership and cross-functional departments to develop strategies, manage departmental expenses, support budgeting and forecasting, and implement innovative solutions that improve productivity, quality, and the overall underwriting process.\nKey Responsibilities\n\nDepartment Leadership and Performance Management\nLead and manage the daily operations of the Agency Underwriting Department to achieve established production, quality, turnaround time, and service-level objectives.\nEstablish, communicate, and monitor departmental goals, performance expectations, and measurable KPIs aligned with company objectives through regularly scheduled meetings\nMonitor underwriting productivity, volume, aging pipelines, turnaround times, quality results, escalation trends, and service-level performance to ensure operational targets are consistently met.\nDevelop and maintain departmental performance reports and dashboards to provide visibility into production trends, staffing capacity, workflow balance, and areas requiring management attention.\nAnalyze performance results, identify gaps against established targets, and implement corrective action plans to improve outcomes.\nProvide regular reporting and performance updates to senior leadership, including key trends, operational risks, resource needs, and recommended solutions.\nPromote a culture of ownership, accountability, continuous improvement, and consistent execution across the department.\n\nKPI Management, Budgeting, and Capacity Planning\nEstablish and monitor performance drivers that influence departmental productivity, turnaround times, quality, staffing requirements, and overall operational costs.\nPartner with leadership to develop departmental budgets, expense forecasts, staffing plans, and resource allocation strategies based on projected loan volume and business demand.\nMonitor actual performance against budget, forecasted volume, productivity assumptions, and staffing plans; identify variances and recommend appropriate adjustments.\nEvaluate workload capacity, underwriter utilization, productivity expectations, and staffing needs to maintain an appropriate balance between production demands and available resources.\nForecast staffing and operational needs based on pipeline trends, seasonality, business growth, and changes in underwriting volume or complexity.\nEstablish appropriate workload distribution and escalation processes to prevent bottlenecks, manage aging files, and maintain consistent service levels.\nRecommend staffing, scheduling, cross-training, and resource allocation adjustments to improve efficiency while maintaining underwriting quality and employee engagement.\nDiscover and implement new ways to incorporate off shoring personnel to maximize efficiency\n\nWorkflow Optimization and Process Improvement\nEvaluate existing underwriting workflows, procedures, and operational processes to identify inefficiencies, redundancies, delays, and opportunities for improvement.\nLead initiatives to streamline processes, improve workflow consistency, reduce unnecessary touchpoints, and increase underwriting capacity without compromising credit quality or compliance.\nDevelop, implement, and maintain standardized procedures, workflow controls, job aids, and best practices to support consistent underwriting decisions and efficient file movement.\nIdentify opportunities to leverage technology, automation, reporting tools, and innovative operational practices to improve productivity, data accuracy, and decision-making.\nCollaborate with technology, operations, sales, closing, processing, and other relevant departments to resolve workflow challenges and implement process enhancements.\nMeasure the effectiveness of process changes through defined KPIs, performance reporting, and ongoing evaluation; adjust strategies as needed to achieve sustainable results.\nLead change management efforts by communicating process updates, securing team adoption, and ensuring appropriate training and documentation are in place.\n\nCoaching, Employee Development, and Accountability\nCoach, mentor, and develop underwriting staff, including senior underwriters and emerging leaders, to strengthen technical expertise, decision-making, productivity, and professional growth.\nEstablish clear performance expectations and provide regular feedback through individual coaching sessions, performance reviews, and development plans.\nMonitor individual and team performance against established productivity, quality, turnaround time, and service-level expectations.\nIdentify training needs and performance gaps through quality reviews, reporting trends, employee feedback, and operational observations.\nDevelop and oversee training programs, reference materials, job aids, and continuing education initiatives to improve underwriting consistency and technical proficiency.\nSupport onboarding and development of new underwriting staff to promote efficient ramp-up, sound credit judgment, and adherence to company standards.\nAddress performance concerns proactively through coaching, documented action plans, and appropriate follow-up.\nPromote a collaborative, accountable, and solutions-oriented work environment that encourages knowledge sharing, employee engagement, and continuous development.\nIdentify opportunities for succession planning, cross-training, and leadership development to strengthen departmental depth and operational continuity.\n\nUnderwriting Quality, Credit Policy, and Compliance\nOversee underwriting quality and consistency to ensure loan decisions align with applicable agency guidelines, FHA/VA requirements where applicable, company credit policy, and investor requirements.\nMaintain current knowledge of agency guidelines, including FHA Single Family Housing Policy Handbook 4000.1, applicable Mortgagee Letters, and relevant VA guidance.\nMonitor quality assurance findings, underwriting errors, exception trends, and compliance results to identify root causes and implement corrective actions.\nProvide guidance on complex underwriting scenarios, credit policy interpretation, risk assessment, and escalated loan decisions.\nEnsure underwriting practices comply with applicable federal and state laws, regulatory requirements, agency standards, and company policies and procedures.\nPartner with compliance, quality control, and other internal stakeholders to resolve findings, address emerging risks, and strengthen departmental controls.\nCommunicate policy changes and regulatory updates to the underwriting team and ensure procedures and training materials are updated accordingly.\nBalance production and efficiency objectives with prudent risk assessment, sound credit decisions, and consistent underwriting quality.\n\nCross-Functional Collaboration and Strategic Support\nServe as a key point of contact for underwriting-related operational matters, policy interpretation, workflow escalations, and performance concerns.\nCollaborate with senior leadership and other departments to align underwriting capacity, service expectations, and operational priorities with business objectives.\nCommunicate underwriting performance trends, capacity constraints, and operational risks to leadership with actionable recommendations.\nWork with business partners to resolve recurring process issues, improve communication, and establish clear ownership of cross-departmental workflows.\nSupport the development and implementation of departmental strategies, operational initiatives, and business growth plans.\nRepresent the Agency Underwriting Department in meetings, projects, and initiatives involving operational performance, policy implementation, technology improvements, and organizational change.\nPerform other duties as necessary to support departmental and organizational objectives.\n\nRequirements and Qualifications\nMinimum of 5+ years of current or previous mortgage underwriting experience, with substantial experience in FHA and VA government loan underwriting.\nCurrent or prior DE/FHA underwriting authority\nCurrent or prior VA/SARR underwriting authority\nDemonstrated experience in a supervisory, management, or team leadership role within a mortgage operations environment.\nIn-depth knowledge of FHA Handbook 4000.1, applicable Mortgagee Letters, VA underwriting guidelines and applicable VA Circulars\nStrong understanding of agency underwriting standards, credit risk assessment, automated underwriting systems, manual underwriting, and applicable federal and state compliance requirements.\nDemonstrated experience establishing, tracking, and analyzing KPIs, including productivity, turnaround time, quality, pipeline aging, service levels, and staffing utilization.\nDemonstrated Experience developing or contributing to departmental budgets, expense forecasting, staffing plans, capacity models, and operational performance projections.\nProven ability to analyze operational reports, identify performance trends, establish measurable performance drivers, and translate findings into actionable business decisions.\nExperience managing workflow distribution, balancing workloads, forecasting staffing requirements, and improving operational efficiency.\nDemonstrated success in coaching employees, developing talent, managing performance, and fostering a culture of accountability and continuous improvement.\nStrong process improvement and problem-solving skills, with the ability to evaluate existing procedures, identify root causes, and implement effective, measurable solutions.\nProficiency in Microsoft Excel and experience using reporting tools, dashboards, loan origination systems, or workflow management systems to monitor and evaluate performance.\nExcellent communication, presentation, organizational, analytical, and time management skills.\nAbility to manage competing priorities, make sound decisions under pressure, and adapt to changing business volumes and operational demands.\nAbility to collaborate effectively with senior leadership, cross-functional partners, and employees at all levels of the organization.\nStrong leadership judgment, integrity, professionalism, and commitment to maintaining confidential information.\nAbility to work independently in a remote environment while maintaining strong communication, accountability, and team engagement.\n\nCore Success Measures\nThe Agency Underwriting Manager will be evaluated on the department’s ability to consistently achieve established performance goals, including:\nProductivity: Achievement of underwriting volume and productivity targets.\nTurnaround time and service level agreements: Consistent management of 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