Oversee a high-performing mortgage underwriting and risk team.
Direct the underwriting operations, ensuring loan decisions are made in accordance with agency guidelines (FNMA, FHLMC, FHA, VA), investor overlays, and Tomo's internal credit policies.
Maintain high standards of accuracy, completeness, and sound risk assessment.
Evaluate and approve complex loan files, including those with layered risk, non-standard income documentation, and non-QM transactions.
Establish and enforce credit risk tolerance levels in alignment with company objectives.
Ensure full compliance with federal and state regulations, including RESPA, TILA, ECOA, and Fair Lending requirements.
Partner closely with Processing, Closing, Secondary Markets, and Sales leadership to resolve pipeline issues, provide underwriting guidance, and ensure smooth loan flow from application to close.
Identify and implement workflow enhancements to increase underwriting efficiency, reduce turn times, and improve decision consistency.
Establish and monitor KPIs including turn time, approval rates, suspense/decline rates, and post-close audit results.
Conduct regular file audits and provide targeted coaching to maintain quality benchmarks.
Design and deliver ongoing training programs covering underwriting guidelines, credit analysis, documentation requirements, and regulatory updates.

Deep, comprehensive knowledge of conventional, FHA, VA, USDA, and Non-QM underwriting guidelines, with experience underwriting complex transactions including self-employed borrowers, investment properties, and jumbo loans.
Proven track record of leading and growing underwriting teams, with the ability to set clear expectations, provide meaningful feedback, and inspire a culture of excellence and accountability.
Strong analytical skills with the ability to evaluate complex financial profiles, assess layered risk, and make sound, defensible credit decisions aligned with policy and market conditions.
Excellent written and verbal communication skills with the ability to convey complex underwriting decisions clearly to processors, loan officers, borrowers, and senior leadership.
Thorough understanding of applicable federal and state mortgage regulations including Fair Lending, RESPA, TILA, ECOA, and all relevant agency guidelines.
Exceptional attention to detail with a commitment to decision accuracy, documentation integrity, and consistent policy application.
Proficiency in leveraging underwriting technology platforms and a forward-thinking mindset toward automation, AI-assisted decisioning, and process innovation.

Equity Ownership: All teammates receive stock options—we win together
Comprehensive Medical, Dental, and Vision plans for you and your dependents with some plans 100% covered
Work-life balance and a generous paid time off policy
In order to support teammates who become parents, Tomo Mortgage provides paid parental leave
401(k) retirement plan

Underwriting and Credit Policy Director

Key skills