USALLIANCE Financial

Oversee daily operations, support team development, ensure compliance, and improve workflow in a mortgage underwriting department. | Requires 5+ years of mortgage underwriting experience, knowledge of applicable laws, and proficiency in MS Office; I lack mortgage underwriting experience and specific legal knowledge. | About the position This position is responsible for the oversight of the workflow and underwriting of the Real Estate Lending Mortgage & HELOC underwriting group, including contribution to the development of the processes, policies, and procedures of the department. Assists RE Lending Underwriting Manager with the onboarding of new employees and assist in the development and delivery of continuous training to the Underwriting group. Handles various reports to ensure proper dissemination of incoming files, compliance, and general pipeline management. Responsibilities • Oversee day to day operations of the RE Lending Underwriting with direct supervision of the team members in conjunction with the RE Lending Underwriting Manager. • Provide support and direction to team members on the proper handling of, 1st lien, HELOC and HELOAN applications. • Actively monitor the loan pipeline to ensure compliance and member service standards are met. • Collaborate with RE Lending leadership team to develop strategies to accomplish departmental lending goals and individual underwriting incentive goals. • Collect information and provide feedback and support for the development of or improvement to established RE Lending programs, processes, policies, and procedures. • Monitor trends relating to the Underwriting area and make recommendations or implement changes to improve productivity, efficiency, or quality of workflow. • Maintain knowledge of all products and services offered by the RE Lending department. • Train, onboard, and evaluate Underwriting team members. • Handle member service calls requiring escalation. • Adhere to all established policies and procedures of USALLIANCE Financial and maintain compliance with all applicable regulatory requirements and ensure direct reports. • Perform and track monthly QC review samples for underwriting team members based on % of closed loans. Requirements • 5+ Years of Mortgage underwriting experience. • Proficient in all applicable laws and regulations related to Mortgage Lending. Including but not limited to ECOA, TRID, TILA RESPA and Fair Lending. • Encompass experience is preferred. • Must demonstrate interpersonal, organizational, and communication skills (verbal & written). Along with strong Leadership skills. • The candidate should be detail oriented with the ability to work in a fast-paced environment. • Proficient in MS Office. • Organizational and Time Management skills. • Strong commitment to providing excellent member service and be solution oriented when addressing member inquiries and escalations. • Adhere to all local, state, and federal laws/regulatory requirements as related to functional areas including the Patriot Act, Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act. • Adhere to all policies and procedures, including security compliance, and following guidelines intended to limit risk exposure to fraud and losses. Review exceptions and escalate when necessary. Nice-to-haves • Encompass experience is preferred. Benefits • Competitive salary and benefits package • Opportunities for professional development and career growth • Hybrid Schedule (min 3 days in office to maximize collaboration) • A collaborative and inclusive work environment • Paid Time Off, Wellness Time & Paid Federal holidays • 401K with 6% match • High Performance Culture