Oversee the functions of residential underwriting and manage underwriting team at the regional level
Assist and support functions of residential underwriting to make sure files transfer as efficiently as possible
Assist in managing the underwriting team including coaching, mentoring, and training
Reinforce underwriting turnaround times by holding the team accountable to expectations
Assist with team’s workload and pipeline management as needed
Support in answering the Scenario email and Underwriting queue for new submissions, appraisal submissions and conditions flow
Act as a main point of contact and liaison for underwriters, branches, sales, and post-closing file submissions status
Review and sign off on underwriting and closing conditions as they are met
Respond to originator/processor questions regarding loan programs, clarification of loan conditions and status of loans in process
Support implementation of underwriting outsourcing
Review files from insuring and shipping, including answering questions or identifying missing documentation necessary to ensure salability
Work with national operations team to effectively improve processes and work effectiveness
Other duties and/or mortgage related tasks as assigned by management

High school diploma or equivalent required; advanced degree preferred
Minimum 10 years of operations and underwriting experience required
FHA DE Chums required; VA SAR preferred
Knowledge of investor and program requirements and guidelines
Previous supervisory experience required including communicating with other managers to ensure productivity
Understanding of all aspects of residential lending Conventional, FHA, VA, USDA, and Non-Conforming programs
Working knowledge of product guidelines including but not limited to Non-Conforming, FNMA, FHLMC, FHA, VA, and USDA guidelines, to assist in rectifying file solutions/problems
Able to define problems, collect data, establish facts, and provide information to resolve the situation
Able to interact with diverse teams across the enterprise to affect process improvement and to ensure compliance
Proven leadership skills, with emphasis on collaboration, solution-based analysis, organization, and time management
Able to read and interpret various loan documents such as promissory notes, regulatory and legal directives, and other loan documents
Able to apply basic math; calculate figures and amounts such as discounts, interest, commissions, and percentages
Basic computer skills required: word processing, Excel spreadsheets, email, and mortgage software

Competitive total compensation package
A full benefits package including medical, dental, vision, 401k, pet insurance and PTO
Discounted home loans for employees and their family members
HSA and FSA plans
Professional opportunities for upward mobility, training, and personal development

VP Underwriting

Key skills