Mortgage Loan Underwriting Manager

2 weeks ago

Jackson, United States Hope Credit Union Full time
HOPE Overview

Recognized as one of the largest, and most successful Black and Women owned credit unions in the nation, HOPE continues to build its brand and impact by expanding access to financial services and engaging in advocacy to mitigate the extent to which factors such as race, gender, birthplace and wealth limit one's ability to prosper. Since 1994, HOPE has generated more than $3.6 billion in community development financing that has benefitted more than 2 million people in Alabama, Arkansas, Louisiana, Mississippi, Tennessee and nationwide. This work has supported small business owners struggling to gain access to capital, families seeking to own homes and individuals looking for a better way to manage their hard-earned money with a financial institution they can trust. This work has not gone unrecognized.

In 2022, HOPE was named one ofreflecting current events. The recognition honors companies for innovative work on the most pressing issues of the day including COVID-19 response, the climate crisis, mental health and economic inequality.

About the Role

Responsible for the management and development of the underwriters to ensure that they are fully trained in the proper application of established company lending guidelines as well as applicable agency and government requirements. This includes the oversight of individual underwriter performance to achieve optimum productivity while maintaining for exceeding loan quality and customer service standards. Demonstrate communication and diplomacy skills required to guide, influence, and sway others, in particular colleagues and stakeholders in other areas. This position is located in Mississippi, Alabama, Tennessee, Louisiana or Arkansas.

Responsibilities:

  • Monitor overall pipeline and ensure workloads are adjusted.
  • Ensure loans are underwritten in accordance with underwriting standards, risk management factors, regulations and within expected timeframes.
  • Coach team to achieve/exceed optimal performance goals; take action to optimize productivity, quality, efficiency and service-levels. Ensure staff is informed of program guidelines and underwriting practices.
  • Conduct monthly reviews of approved and declined loan applications to ensure compliance with underwriting standards and risk management factors, quality decision standards.
  • Address/clear outstanding finding in audit reports received from Post Closing, and Quality Assurance; assist in clearing deficiencies.
  • Monitor various reports to identify possible training opportunities.
  • Train employees with company software systems process flow.
  • Monitor changes in regulations and industry that affect underwriting compliance; recommend updates to policies as required.
  • Provide communication to internal partners including processors, underwriters, loan officers, funders, post-closing, and production managers regarding file structuring, counter offers, and /or documents needed to move files forward in the most expeditious manner possible.
  • Continuously monitor and assess underwriter staffing levels, recruitment, performance management, and retention in accordance with company requirements, processes and policies.
  • Oversee all training, underwriter development and career growth.
  • Participates in the interview process for Underwriter candidates.
  • Organizes and facilitates regular department meetings
  • Participates in management meetings as needed
  • Identifies and develops a successor to this role
  • Serves as a role model for peers and associates by acting with integrity and in a positive manner at all times
  • Acts as a role model of the company's values, acting in an ethical and professional manner in all respects
  • Performs other mortgage underwriting related duties as assigned.
Competencies/Skills
  • High School or equivalent required; Bachelor's degree preferred
  • 7 - 10 years total work experience in progressively responsible positions underwriting loans (Conventional, FHA, VA, Jumbo. NONQM, Purchase, HELOCS, 2nd', manufactured homes, COOP'S, condominiums and PUD'S)
  • 5 years of which include supervisory/management/region management position(s) with multiple direct reports.
  • Expert level knowledge of overall mortgage lending process, underwriting loan requirements, federal, state, and regulatory requirements/guidelines related to consumer mortgage lending and internal processes, controls, and asset protection.
  • Endorsements including FHA Direct Endorsement, VA and SAR endorsements; must have current certifications for any region with state-specific requirements to underwrite loans.
  • Expert level knowledge of valid documentation related to the processing consumer mortgage applications (e.g., tax returns, financial statements and records, verification of income and deposits, etc.).
  • Results and metric driven, ability to clearly communicate issues and expectations, and capable of motivating a team to reach goals and drive initiatives.
  • Strong management and critical thinking skills, including the ability to evaluate facts and data to draw conclusions and determine the downstream impact of decisions and associated risks.
  • Ability to prioritize multiple tasks for self and others in a deadline-driven environment; strong sense of urgency and responsiveness.
  • Ability to be patient and train less experienced team members, respond to questions, build capability.
  • Detail orientated, highly organized, strong verbal and written communication skills.
  • Prior experience using internal data entry systems, Microsoft Word, PowerPoint and Excel.


Work Environment

•Employee spends much of the time in the office environment, generally accessible to internal colleagues and external customers

•Employee spends time traveling to remote locations

•Noise level in the work environment is usually moderate

•Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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