Director of Underwriting Jobs
Director of Underwriting jobs are open across insurance carriers, mortgage lenders, and specialty finance firms, covering commercial lines, personal lines, and mortgage underwriting, at every level from senior underwriter to chief underwriting officer. Find a role that fits below and apply directly.
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Position Overview
Mortgage Markets CUSO is seeking an experienced, forward-thinking Director of Mortgage Underwriting & Operations to lead our underwriting and mortgage operations while helping drive the next generation of technology and workflow automation across our organization.
This is a hands-on leadership position for an individual with extensive mortgage underwriting experience, advanced knowledge of ICE Encompass, and a strong understanding of how artificial intelligence and automation can improve the mortgage lending process.
The ideal candidate is not simply an experienced underwriter or operations manager. We are looking for someone who can combine sound credit judgment with technology, innovation, and operational efficiency to help MMCUSO scale its mortgage platform and better serve our credit union partners.
Key Responsibilities
Mortgage Underwriting & Credit Risk
- Serve as a hands-on senior mortgage underwriter, reviewing and approving conventional, conforming, and portfolio mortgage loans within delegated authority.
- Maintain extensive knowledge of Fannie Mae, Freddie Mac, and credit union-specific underwriting guidelines.
- Review complex borrower income, assets, credit, collateral, and overall risk profiles.
- Ensure underwriting decisions meet investor, regulatory, and internal credit policy requirements.
- Work directly with loan officers and processors to resolve underwriting conditions and expedite loan approvals.
- Establish consistent underwriting standards, quality controls, and turnaround expectations.
- Support investor reviews, quality control audits, and regulatory examinations.
Encompass LOS Expertise & Optimization
- Serve as MMCUSO's primary internal expert on ICE Encompass.
- Possess advanced hands-on knowledge of Encompass administration, configuration, business rules, custom fields, milestones, templates, and workflow management.
- Evaluate existing Encompass processes and identify opportunities to eliminate manual tasks and improve productivity.
- Design and implement automated workflows, alerts, task assignments, and pipeline management tools.
- Understand Encompass APIs, third-party integrations, and opportunities to connect emerging mortgage technology solutions.
- Work with technology vendors to implement system improvements and troubleshoot operational issues.
- Develop reporting and dashboards to measure underwriting productivity, pipeline performance, and operational efficiency.
Artificial Intelligence & Workflow Automation
- Lead the identification, evaluation, and implementation of AI-powered solutions throughout the mortgage fulfillment process.
- Explore automated document collection, classification, data extraction, and underwriting preparation tools.
- Develop workflows to identify missing documentation, incomplete applications, and stalled loan files.
- Implement technology that reduces repetitive manual work for loan officers, loan officer assistants, processors, and closers.
- Evaluate AI solutions that integrate with Encompass and other existing mortgage technology platforms.
- Work toward a more automated, streamlined mortgage process while maintaining appropriate human oversight, data security, and regulatory compliance.
- Establish measurable goals for reducing processing times, improving loan quality, and increasing overall productivity.
Mortgage Operations & Fulfillment Leadership
- Oversee day-to-day mortgage fulfillment operations, including processing, underwriting, closing, and funding.
- Provide leadership, guidance, and accountability to mortgage operations personnel.
- Establish an efficient, assembly-line workflow with clearly defined responsibilities and handoffs.
- Identify bottlenecks and implement improvements to reduce overall loan cycle times.
- Ensure loans move efficiently from application through closing while maintaining a high level of service.
- Coordinate with production leadership to improve communication, pipeline visibility, and loan delivery.
- Support the onboarding of new credit union partners and ensure operations can scale as mortgage volume increases.
- Monitor operational performance, staff productivity, quality, and service levels.
Required Qualifications
- Minimum 7–10 years of residential mortgage underwriting experience.
- Strong knowledge of conventional mortgage underwriting, including Fannie Mae and Freddie Mac guidelines.
- Advanced ICE Encompass experience is required. Candidates must demonstrate more than basic loan origination system usage.
- Experience with Encompass configuration, workflow development, business rules, and system optimization.
- Previous mortgage operations management or supervisory experience.
- Strong understanding of the complete mortgage lifecycle, from application through closing and funding.
- Demonstrated ability to identify inefficiencies and implement operational improvements.
- Familiarity with AI, automation technologies, mortgage APIs, and third-party system integrations.
- Excellent analytical, organizational, communication, and leadership skills.
- Ability and willingness to personally underwrite mortgage loans while leading operational improvements.
Preferred Qualifications
- Experience as an Encompass system administrator or advanced Encompass configuration specialist.
- Experience implementing AI-assisted mortgage workflows or automated document processing.
- Background in credit union mortgage lending, correspondent lending, or mortgage CUSO operations.
- Experience with portfolio mortgage products and secondary market delivery.
- Familiarity with Freddie Mac Loan Product Advisor and Fannie Mae Desktop Underwriter.
- Demonstrated success improving mortgage loan turnaround times and operational efficiency.
What Success Looks Like
The successful candidate will play a critical role in helping MMCUSO achieve the following objectives:
- Faster Loan Decisions: Reduce underwriting turnaround times while maintaining sound credit quality.
- Smarter Workflows: Maximize Encompass capabilities and eliminate unnecessary manual processes.
- AI Integration: Introduce practical AI solutions that improve document management, workflow automation, and operational productivity.
- Operational Efficiency: Establish a streamlined mortgage fulfillment process with clear accountability and consistent execution.
- Scalable Growth: Build an operational platform capable of supporting additional credit union partners and increased loan production without proportionate staffing increases.
- Exceptional Service: Deliver a consistent, responsive, and high-quality mortgage experience for credit union partners and their members.
Why Join Mortgage Markets CUSO?
Mortgage Markets CUSO is a credit union-owned mortgage organization focused on delivering innovative mortgage solutions to credit unions and their members.
We believe the future of mortgage lending combines experienced professionals, smart technology, and a commitment to personal service.
This position offers a unique opportunity to take ownership of underwriting and fulfillment operations while helping shape the technology, automation, and processes that will support MMCUSO's continued growth.
- We are not looking for someone to simply manage the way mortgages have always been done. We are looking for someone who can help us build a better way to do them.
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Pay: Up to $110,000.00 per year
Work Location: Hybrid remote in East Hartford, CT 06118
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Find Director of Underwriting JobsDirector of Underwriting Job Market
Who's Hiring
Top Industries Hiring
- Insurance
What Employers Look For
The qualifications that appear most often in director of underwriting jobs.
- 7 or more years of underwriting experience with progressive management responsibility
- Demonstrated authority to bind coverage at or above a specified premium threshold
- Deep knowledge of underwriting guidelines, rate manuals, and risk selection criteria for a specific line
- CPCU, AU, CUW, or equivalent professional underwriting designation
- Experience building or leading an underwriting team and developing staff
- Proficiency with policy administration systems, rating platforms, and underwriting workbench tools
Tips for Your Director of Underwriting Job Search
Tailor your resume to loss ratios
Directors of underwriting are hired on outcomes, not activities. Quantify your portfolio performance by citing loss ratio improvements, premium volume managed, and risk appetite changes you implemented. Generic leadership bullets won't distinguish you from other candidates.
Highlight your authority thresholds
Job postings for this role almost always specify a binding authority limit. State the exact dollar amount you've held in your resume and cover letter so hiring teams can immediately confirm you meet their threshold without asking.
Apply early to roles that fit
Migrate Mate lists director of underwriting openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Target your line of business precisely
Commercial lines, personal lines, mortgage, surety, and specialty markets each have distinct hiring pipelines. Search using the specific line of business you've led rather than the generic title alone, and confirm the posting matches your technical background before applying.
Prepare a case study for the final interview
Most director-level interviews include a scenario where you're asked to defend or redesign an underwriting guideline. Prepare one real example where you tightened or expanded appetite, explain the data that drove the decision, and walk through the outcome.
Negotiate total compensation beyond base salary
At the director level, underwriting roles frequently include production bonuses, profit-sharing tied to portfolio loss ratios, and long-term incentive plans. Understand what metrics trigger each component before you accept or counter an offer.
Director of Underwriting Jobs: Frequently Asked Questions
Which companies are hiring the most director of underwritings?
The companies hiring the most director of underwritings right now include First National Bank, Splitero, and LendingOne, with the largest share of openings in Pennsylvania, Texas, and New York, based on current listings on Migrate Mate as of November 2026. Regional carriers and specialty managing general agents also post frequently, so it pays to search beyond national carriers.
How many director of underwriting jobs are remote?
About 80% of director of underwriting openings are fully remote or hybrid as of November 2026, with the highest remote share found in personal lines, mortgage underwriting, and specialty surplus lines roles where workflow is largely digital. Commercial lines and large-account underwriting positions are more likely to require in-office or field presence for broker relationship management.
How do you become a director of underwriting?
Most directors start as underwriters in a specific line of business, build technical depth over several years, then move into team lead or unit manager roles where they develop people and set appetite. Earning a designation such as CPCU or CUW signals technical credibility. From there, demonstrating measurable portfolio outcomes, mentoring junior staff, and contributing to guideline development positions you for a director-level search.
Can you get a director of underwriting job with limited experience?
Moving directly into a director role with limited underwriting experience is uncommon because the position requires signing authority, guideline ownership, and team accountability that employers tie to a proven portfolio history. The practical path in is to reach senior or lead underwriter status, then target smaller carriers or managing general agents where director titles are granted at a lower headcount threshold and the step up is more attainable.
What does the director of underwriting interview process look like?
The process typically runs three to four rounds. An initial call with HR or a talent partner screens for general fit and authority level. A technical interview with a VP or chief underwriting officer tests your underwriting philosophy, guideline decisions, and loss ratio outcomes. A final round often includes a case study or portfolio review and a meeting with cross-functional leaders in actuarial, claims, or distribution.
Where can I find and apply to director of underwriting jobs?
You can find and apply to director of underwriting jobs on Migrate Mate, which lists current openings from carriers, managing general agents, and specialty firms across the United States. Find roles that match your line of business and binding authority background, then apply directly to each listing from the page.
See All 9 Director of Underwriting Jobs
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