Underwriting trainee in a comprehensive year - long program at Travelers. Learning underwriting philosophy, products and developing sales and negotiation skills under supervision.
AL
Hybrid Senior Director, Underwriting
Posted 4 months ago
About the role
- Senior Director Underwriting leading underwriting and appraisal functions across multiple lending channels at AmeriHome Mortgage. Ensuring compliance, efficiency, and customer service in mortgage operations.
Responsibilities
- Lead, strategize, and execute underwriting and appraisal functions across all business lines and channels
- Drive the oversight, development, and performance management of underwriters and underwriting managers within the lending channel
- Define, implement, and continuously refine the vision and strategy for all underwriting divisions within AmeriHome
- Ensure alignment with organizational goals and risk appetite
- Lead initiatives to enhance departmental productivity, efficiency, and customer service across multiple underwriting teams
- Ensure credit operations meet or exceed production and financial targets while maintaining process excellence and loan quality
- Build and sustain strategic relationships with AmeriHome’s agency and Non-Agency partners
- Collaborate cross-functionally to ensure consistent underwriting practices and alignment with Western Alliance Bank’s credit risk framework
- Drive operational strategy and capacity planning for Correspondent and Retail Lending divisions
- Lead process improvement initiatives to enhance service levels, reduce cost per loan, and maintain loan quality
- Recruit, coach, and mentor underwriting staff to build a culture of excellence, accountability, and continuous learning
Requirements
- 15+ years of related experience in Residential Mortgage Loan Underwriting
- Bachelor's degree in related field required; Masters or MBA in related field preferred
- 8+ years of experience in residential mortgage underwriting management, with at least 5 years in a senior leadership role preferred
- Must have experience with digital mortgage platforms and automation tools
- Advanced knowledge of residential mortgage industry in Correspondent or Retail Lending, including sales, operations, capital markets and/or other residential mortgage products and services
- Advanced knowledge of applicable federal and state regulatory and legal compliance obligations, rules and regulations, industry standards and practices, including TRID, ECOA, HMDA, FCRA, Flood, HOEPA, HPML, Appraisal, ATR/QM, TCPA, UDAAP, and Fair Lending
- Advanced knowledge or applicable regulatory and legal obligations, rules, and regulations, industry standards and practices
- In-depth knowledge of mortgage loan products, lending principles and regulations
- Extensive understanding of mortgage lending principles and underwriting guidelines, including FHA, VA, and conventional loans, loan processing and automated underwriting systems
- Working knowledge of mortgage lending principles and underwriting guidelines including self-employed borrowers, partnership, corporation tax return analysis, appraisal reviews, condo project reviews, Trust, Leasehold and Power of Attorney documentation
- Advanced experience with mortgage banking technology, including Encompass (LOS), AUS, core systems, and MS Office products
- Advanced speaking and writing communication skills
- Direct Endorsement (DE) or Staff Appraisal Reviewer (SAR) designation is required
- Occasional travel required
Benefits
- Competitive salaries
- Ownership stake in the company
- Medical and dental insurance
- Time off
- Great 401(k) matching program
- Tuition assistance program
- Employee volunteer program
- Wellness program
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