Job Responsibilities:

• Prior experience within a Wholesale Channel is preferred but not required
• Ability to manager remote staff that in both East and West time zones
• Staff the UW department with appropriate headcount and skill sets to match volume fluctuations.
• Implement all credit policy with any eye to managing within the LOS (Encompass)
• Experience with Encompass is a plus
• Work closely with Sales and Operations staff on dept. policy and procedures and manage execution and action plans.
• Maintain department SLA’s
• Manage/Oversee 3-5 UW managers (40+Uwers)
• Continue to innovate the remote work environment within the wholesale channel
• Improve UW efficiency within the channel
• Maintain high levels and customer and employee satisfaction within the channel
• Coordinates underwriting activities with client management and loan closing teams
• Ensures and upholds fair lending practices; meets targets for productivity, quality and customer satisfaction
• Work closely with senior level Management on channel related initiatives.

Education and Experience:

• Minimum of 15-20 years’ mortgage banking experience
• Minimum of 5-10 years’ experience in an underwriting role
• Strong knowledge of FHA, VA and Jumbo guidelines preferred
• Knowledge of QM/ATR requirements
• Prior management experience is required.

Must also have the following demonstrated knowledge, skills, and abilities:

• General knowledge of Mortgage Banking origination practices, procedures, regulations and laws.
• Thorough knowledge of all GSE underwriting requirements as it pertains to Correspondent TPO Lending.
• Strong understanding of the operational responsibilities involved in the purchase and transfer of whole loan assets as it pertains to credit quality
• Skill in negotiating issues and resolving problems
• Working knowledge of WORD, EXCEL, POWER POINT and ACCESS, Skills in effective verbal and written communications, including active listening, and presenting findings and recommendations
• Ability to establish and maintain working relationships with co-workers, staff and external contacts, and to work effectively in a professional team environment

This job description is intended only to describe the general nature of the position and does not constitute an all-inclusive list of duties, nor of the knowledge, skills, and abilities required to perform the job.