Team Lead, Mortgage Underwriting
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Job Description
Mortgage underwriting team lead overseeing first and second mortgage decisions at a technology-focused credit union. Coaching underwriters, improving workflows, and ensuring regulatory compliance.
Responsibilities:
- Underwrite all first and second mortgages within allocated approval authority
- Monitor the mortgage pipeline to ensure timely loan decisions
- Ensure mortgage loan files comply with secondary market guidelines, program requirements, credit union policies, and regulatory requirements
- Review and evaluate loan files for accuracy, completeness, data integrity, and sound credit risk assessment
- Manage the mortgage pipeline, balanced workloads, and service-level goals
- Serve as a subject matter expert for mortgage products, underwriting guidelines, and complex loan scenarios
- Provide leadership, coaching, training, and performance support to underwriting staff
- Identify and implement process improvements, workflow efficiencies, and automation solutions
- Leverage technology, automation, and AI-enhanced tools to improve underwriting efficiency, decision quality, workflow management, and member experience
- Analyze production and quality metrics to identify trends and recommend improvements
- Participate in system enhancements, digital mortgage initiatives, and departmental projects
- Collaborate with Mortgage Loan Officers, Operations, Secondary Market, and third-party vendors
- Stay current on industry regulations, mortgage products, investor guidelines, and emerging technologies
- Ensure adherence to Credit Union policies and applicable regulations
- Perform additional duties and special projects as assigned
Requirements:
- Bachelor's degree in finance, business administration, or a related field preferred
- Minimum of five (5) years of related experience at a credit union, bank, or other financial institution
- Minimum of three (3) years of leadership, supervisory, or team management experience, including coaching, performance management, workload allocation, and employee development
- Preferred: Demonstrated experience utilizing technology, workflow automation, digital mortgage platforms, and AI-enabled tools to improve operational efficiency, decision-making, reporting, or member service
- Excellent problem-solving, organizational, analytical, verbal, and written communication skills
- Strong decision-making and time-management skills
- Results driven, service oriented, self-motivated, and able to work independently
- Detailed knowledge of secondary market guidelines and regulatory requirements
- Comply with SAFE Act requirements and NMLRS registration requirements
- High degree of integrity and trustworthiness
- Proficiency in Microsoft Office and Encompass or similar loan origination systems
- Stable internet connection with speeds high enough for video conferencing and screen sharing
- Smartphone with current iOS/Android OS
- Prolonged periods sitting at a workstation and working on a computer
- Ability to communicate with coworkers and customers via email, chat, teleconference, and/or phone
- Candidates must reside within the United States, excluding Montana, Nebraska, Rhode Island, and Puerto Rico
- U.S. work authorization is required; current or future sponsorship is not available
Benefits:
- Excellent health insurance packages with a Health Reimbursement Account option
- Life, AD&D, Short-Term Disability and Travel Insurance
- 401k plan with company match dollar for dollar up to 6 percent (after 6 months of service)
- Generous time-off policy with paid time off (PTO), volunteer time off (VTO), birthday PTO, and company-observed holidays
- Monthly stipend for wellness activities and mental health (after 6 months of service)
- Tuition reimbursement
- Pet Benefits, including insurance, discounts, “pawternity” PTO day, and more
- Bonus/commission plan for qualifying roles
- Employee perks, including mortgage discounts
- PTO purchase and sell-back programs
- Rewards and peer recognition programs
- Trust-based, outcome-oriented remote work environment for most roles
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