Job details
About the team
At Zillow Group, we are transforming the way people buy, sell, and finance homes. Our Underwriting team plays a critical role in delivering high-quality credit decisions that balance risk management, customer experience, and operational efficiency. We work at the center of credit policy, operations, and technology to ensure consistent, compliant, and scalable underwriting outcomes.About the role
The Director, Underwriting is a senior leader responsible for overseeing underwriting operations, credit decision quality, and underwriter performance across the organization. This role ensures underwriting execution aligns with agency guidelines, investor requirements, and internal credit policy while supporting growth, efficiency, and an exceptional borrower experience.
The ideal candidate is a seasoned underwriting leader with deep agency expertise, strong people leadership skills, and the ability to partner effectively across the mortgage lifecycle. This role works closely with Sales, Processing, Quality Control, Credit Policy, Risk, Compliance, Product, and Technology teams to drive aligned execution and continuous improvement.
Responsibilities
Lead and oversee underwriting operations, ensuring timely, accurate, and consistent credit decisions across all loan products.
Ensure adherence to agency, investor, and regulatory requirements, as well as internal credit policies and underwriting standards.
Manage and develop underwriting leaders and teams, fostering a culture of accountability, quality, and continuous improvement.
Partner closely with Mortgage Credit Policy to interpret and operationalize agency and investor guidance.
Collaborate cross-functionally with Sales and Processing leadership to align underwriting execution with pipeline expectations, service levels, and borrower experience goals.
Work closely with Quality Control to address defect trends, audit findings, and repurchase risk, ensuring root-cause remediation and sustainable improvements.
Monitor underwriting quality metrics, defect rates, and performance trends; implement corrective actions and process enhancements as needed.
Partner with Operations, Risk, Compliance, Product, and Technology to improve underwriting workflows, tools, automation, and scalability.
Support complex credit decisions, escalations, and exception requests, exercising sound judgment and risk-based decision-making.
Oversee underwriting participation in audits, QC reviews, and repurchase investigations, ensuring timely response and resolution.
Contribute to strategic initiatives, including new product launches, guideline changes, and operational transformations.
Who you are
12+ years of experience in mortgage underwriting or related credit functions, with at least 5 years in a leadership role.
Extensive knowledge of agency underwriting guidelines (Fannie Mae, Freddie Mac) and mortgage regulatory requirements.
Proven experience leading large underwriting teams or multi-layered underwriting organizations.
Strong analytical and decision-making skills, with the ability to assess complex credit scenarios and balance risk with business objectives.
Excellent communication and stakeholder management skills, with a demonstrated ability to influence and align cross-functional partners.
Experience operating in a high-volume, fast-paced environment and driving operational excellence through data and process improvement.
Get to know us
At Zillow, we’re reimagining how people move—through the real estate market and through their careers. As the most-visited real estate platform in the U.S., we help customers navigate buying, selling, financing and renting with greater ease and confidence. Whether you're working in tech, sales, operations, or design, you’ll be part of a company that's reshaping an industry and helping more people make home a reality.
Zillow is honored to be recognized among the best workplaces in the country. Zillow was named one of FORTUNE 100 Best Companies to Work For® in 2025, and included on the PEOPLE Companies That Care® 2025 list, reflecting our commitment to creating an innovative, inclusive, and engaging culture where employees are empowered to grow.
No matter where you sit in the organization, your work will help drive innovation, support our customers, and move the industry—and your career—forward, together.
Zillow Group is an equal opportunity employer committed to fostering an inclusive, innovative environment with the best employees. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status. If you have a disability or special need that requires accommodation, please contact your recruiter directly.
Qualified applicants with arrest or conviction records will be considered for employment in accordance with applicable state and local law.
Los Angeles County applicants: Job duties for this position include: work safely and cooperatively with other employees, supervisors, and staff; adhere to standards of excellence despite stressful conditions; communicate effectively and respectfully with employees, supervisors, and staff to ensure exceptional customer service; and follow all federal, state, and local laws and Company policies. Criminal history may have a direct, adverse, and negative relationship with some of the material job duties of this position. These include the duties and responsibilities listed above, as well as the abilities to adhere to company policies, exercise sound judgment, effectively manage stress and work safely and respectfully with others, exhibit trustworthiness and professionalism, and safeguard business operations and the Company’s reputation. Pursuant to the Los Angeles County Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
