Bond Underwriting Manager

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 homebuyers 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. Position Summary: We're looking for an experienced Bond Underwriting Manager to lead our Bond Underwriting team, including underwriters and a Team Lead, responsible for evaluating loan applications originated under state and local Housing Finance Agency (HFA) bond programs, alongside standard agency and government products. This role owns day-to-day team performance, quality, and production, while partnering with underwriting leadership to manage risk, ensure compliance with agency guidelines, HFA program requirements, and develop a high-performing underwriting staff. This is a hands-on leadership role for someone who combines deep underwriting expertise with strong people management skills. Location: Remote Responsibilities: Manage the day-to-day operations of the Bond Underwriting team, including workflow distribution, pipeline management, and production/turn-time standards.Directly supervise Bond Underwriters and the Bond Underwriting Team Lead, providing coaching, performance feedback, and career development.Review and approve complex, escalated, or exception-based loan files originated under HFA bond-funded programs, including DPA, and transactions.Ensure consistent adherence to agency, investor, and HFA program guidelines, including income and purchase price limits, first-time homebuyer requirements, targeted area provisions, and federal recapture tax rules.Monitor team quality, touch counts, and file aging; identify trends and implement process improvements to increase efficiency and reduce risk.Partner with the VP of Credit Risk on staffing plans, capacity planning, and performance/bonus structures for the Bond team.Serve as an escalation point for guideline interpretation, program exceptions, and complex credit decisions.Conduct regular one-on-ones, team meetings, and training sessions to keep the team current on evolving HFA program guides, agency updates, and investor overlays.Partner cross-functionally with Sales, Operations, and Compliance to support a smooth borrower and loan officer experience. Qualifications: 7+ years of experience in mortgage underwriting with progressively increasing responsibility, including prior supervisory or management experience; experience overseeing Underwriting Team Leads preferred. Prior experience underwriting loans originated under state and/or local HFA bond-funded programs strongly preferred.Bachelor's degree in finance, business, economics, or a related field, or equivalent work experience.In-depth knowledge of FNMA, FHLMC, FHA, VA, and USDA products and guidelines; DE/SAR/LAPP designation preferred.Demonstrated ability to lead, coach, and develop a team of underwriters in a high-volume, deadline-driven environment.Strong analytical and decision-making skills, with sound judgment balancing credit risk, program compliance, and business needs.Excellent written and verbal communication skills, with the ability to clearly convey guideline decisions and expectations to staff and leadership.Proven track record managing production, quality, and turn-time metrics across a team pipeline. Pay Disclosure: The starting base salary range for this position is $130k - $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. Work Authorization: Must be able to verify identity and employment eligibility to work in the U.S. without a visa sponsorship. Other Duties: This job profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may perform additional related duties as assigned to meet the needs of the organization. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Primary functions require sufficient physical ability and mobility to work in an office setting; to stand or sit for prolonged periods of time; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination including use of a keyboard; and to verbally communicate to exchange information.VISION: See in the normal visual range with or without correction.HEARING: Hear in the normal audio range with or without correction. Kind Lending is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to race, religion, creed, color, orientation, gender, age, national origin, veteran status, disability status, marital status, sexual orientation, gender identity, or gender expression. ***For your security, Kind Lending will only contact you from email addresses ending in kindlending.com. Emails from any other domain should be treated as suspicious and may be phishing attempts. #LI-Remote