National Mortgage Underwriting Manager
Join Our Legacy Team

Legacy Mutual Mortgage is an outstanding full service residential mortgage lender originating, underwriting and closing conventional, jumbo, FHA, VA and USDA mortgage loans. In business since 2005, we are dedicated to meeting the home loan needs of individual homebuyers while working with our real estate partners in Texas (San Antonio, Austin, College Station, Coppell, Dallas, Frisco, Houston, Fort Worth, Boerne, New Braunfels, Denton, & Schertz), Tennessee (Brentwood and Franklin) and Colorado (Denver). Our team members are the key to Legacy’s success, and we are looking for highly motivated, qualified individuals to join our talented team.

We are currently seeking a National Mortgage Underwriting Manager for our San Antonio, TX location.

  • Location: 3503 Paesanos Parkway, San Antonio, TX 78231
  • Position Type: Full-Time
  • Schedule: Monday – Friday, 8:00 – 5:00, Days and/or hours may vary and/or subject to change based on client need.
Job Description

The Underwriting Manager is responsible for delivering leadership and direction to several teams of Underwriters, Underwriting Unit Leads and Quality Control professionals responsible for providing sound decisions on a variety of loan products. The Underwriting Manager provides strategic input and leadership in decision making issues affecting the Company’s underwriting function.

Essential Functions Include:
  • Develop, document and improve underwriting guidelines to ensure consistent, high quality underwriting in collaboration with Operations, Compliance, and Corporate training.
  • Ensure that underwriting turn times and decisions are sound and within the scope of good business practices and company policies.
  • Instruct and lead underwriting team in appropriate risk management principles and how to interpret and apply credit guidelines and procedures.
  • Identify audit finding issues and underwriting training opportunities.
  • Evaluate funding requests and escalated requests by assessing risk across multiple attributes of data and determining appropriate funding limits.
  • Ensures administrative and operational compliance with regulatory requirements and upholds Fair Lending Practices as well as credit policies and underwriting procedures.
  • Responsible for Credit, Quality Control, Appraisal Management and Risk Analysis.
  • Review and assess compliance and quality outcomes identified in the various stages of underwriting reviews and develop action plans to correct deficiencies.
  • Work with Senior VP of Operations to implement regulatory, Agency, Investor and mortgage insurer guideline changes.
  • Make recommendations to management regarding additional credit enhancements needed to make deals more acceptable.
  • Manage credit risk in a manner consistent with the loan quality targets established.
  • Provide leadership, guidance and underwriting support.
  • May perform other duties and projects as assigned.
Desired Skills and Experience
  • Excellent project management and strong attention to detail with the ability to prioritize, manage multiple projects and meet deadlines efficiently.
  • Sound judgment and decision-making ability.
  • Excellent verbal and written communication skills.
  • Exhibits a professional manner in dealing with others and works to maintain constructive working relationships.
  • Ten years of in-depth knowledge and experience in conventional mortgage loan underwriting.
  • Minimum of three years managing an underwriting team.
  • Thorough knowledge of Fannie, Freddie, FHA, VA, USDA, and private investor underwriting guidelines and procedures.
  • Knowledge of Conventional and Government automated and manual underwriting guidelines and standards.
  • Must have experience using a mortgage-based system to assist in underwriting loans. Experience with Ellie Mae Encompass, preferred.
  • Must have working knowledge of and experience with Microsoft Office (Outlook, Word, PowerPoint and Excel).
  • College degree preferred.
  • Valid FHA DE/CHUMS ID, SAR, LAPP and VA Automatic underwriting and appraisal authority preferred.
  • Proficiency with DU (Desktop Underwriter), LP (Loan Prospector), Total Scorecard and GUS, preferred.

We offer competitive and outstanding benefits for our full-time employees that include the following: paid medical premiums for employees, Dental, Vision, Short and Long Term Disability, Life, AD&D, 401(k) with Company match and paid time off.

Legacy Mutual Mortgage is a drug-free workplace and requires pre-employment drug testing. Please note Legacy Mutual Mortgage does not hire tobacco or nicotine users. Currently Legacy Mutual Mortgage does not provide sponsorship for new hires. Only qualified candidates will be contacted. No telephone calls please. For more information about our Company, please visit our website at

Only those candidates who meet the minimum requirements need apply.

To Apply

Please go to:

Legacy Mutual Mortgage is an Equal Opportunity/Affirmative Action Employer.


Legacy Mutual Mortgage is a “Best Places to Work” Winner!

Within the first few moments of speaking to our Legacy family of employees, you will sense their pride & bravado in their place of work. Perhaps the best measure of their sentiment towards their employer has been displayed by their votes alone garnering Legacy Mutual Mortgage a win in 2015, 2016 and 2017 San Antonio Business Journal’s “Best Places to Work” competition. In 2016, Legacy employee’s survey results earned us the top spot amongst all Large Employers in the Alamo City! In 2017 we added “Top Workplace” Honors in our Legacy Austin, Fort Worth, Nashville and San Antonio Branches (from various additional local publications and competitions). We invite you to start your Legacy today by joining this top-performing, award-winning team of skilled loan professionals.