Residential Underwriting Manager

The Residential Underwriting Manager is responsible for ensuring all loans are underwritten according to guidelines for RTC portfolio, Secondary Market and/or Government Agencies as required.

The Residential Underwriting Manager manages the Underwriting team and works directly with Management, Loan Officers, Loan Processors, Closing, Post Closing and Quality Control.  Ability to multi-task and work in a fast-paced environment and complete many different duties under deadlines.  Ability to pivot and work with different people on a daily basis.

In this role, you will 


* Shape underwriting strategy across both Mortgage and Home Equity


* Partner with senior leadership on key growth initiatives


* Lead a function that directly impacts portfolio quality and customer outcomes


* Set clear expectations for productivity, quality, and turnaround times, and actively manage performance against goals


* Oversee hiring, onboarding, training, and career development, including building a strong leadership bench and succession plans


* Be part of a collaborative, values-driven culture focused on excellence

PRIMARY ACCOUNTABILITIES / RESPONSIBILITIES


* Ensure loans underwritten meet the quality standards of RTC, Secondary Market and/or Government Agencies (FHA/VA/USDA) 


* Monitor the pipeline, assign loans to the underwriting team to meet requirements for turn time to ensure timely and compliant Loan Decisions


* Provide exceptional customer service on a consistent basis.


* Work with other departments including post-closing, credit risk, and compliance as needed to ensure proper underwriting standards are met to safeguard company assets and ensure conformity with investor standards.


* Stay abreast of trends in the mortgage industry and distribute updates and guidelines as necessary to the Residential Mortgage team


* Review files for secondary signature as required and prepare and present loans to CLAC as necessary.


* Assist in coordinating efforts between support departments and sales within the organization.

Partner with production teams to promote and achieve the highest level of customer service.

Partner with Compliance, Operations, Closing, Post-Closing and Quality Control to ensure alignment and achievement of risk profile and goals.


* Participate in First Line reporting and QC meetings to identify areas of improvement and training needs.


* Assist in loan reviews related to compliance, quality control and post-closing/funding audits, and manage timely responses to all requests.


* Ensure compliance with Federal and State regulations.


* Assist in preparation and review of loans for bulk loan sales as needed


* Respond timely to Loan Scenario questions and offer alternative solutions as appropriate


* Strategy, Reporting & Portfolio Management
+ Analyze pipeline metrics, productivity data, and portfolio performance to inform decision-making and resource pl...