Manager, Underwriting

Overview:This position will be responsible for managing the First Mortgage Underwriting team to include constant monitoring of file flow and workloads in order to attain acceptable turn times and member service. The Manager, Underwriting will monitor efficiencies and will continually look for ways to improve our processes, both in terms of procedures and use of systems to ensure continuous service and quality improvements and error reductions. Success in this position is demonstrated by building a cohesive team of Underwriters, effectively applying guidelines and sound underwriting practices, providing intelligent risk assessment and informed decisions while ensuring regulatory compliance and meeting all agreed upon SLAs.S3 has a commitment to excellence and the highest standards of member service. Our values and beliefs are critical to the success and growth of the business and they were all created with a unique cultural foundation.The Manager, Underwriting position is a supervisory position. Responsibilities:- Create and maintain a highly efficient and productive environment/culture that values its team members and rewards performance.- Ensures effective communication with staff, management, and partner credit unions- Manage the mortgage underwriting pipeline being cognizant of service levels, quality, compliance and member expectations- Plans, coordinates, directs, reviews and supervises work of subordinates in the underwriting of conventional first mortgage loans including:- Oversees underwriting to ensure adherence to all investor and credit union guidelines;- Reviews loans submitted to Underwriting to ensure they are complete and accurate and provides feedback to Processing team;- Ensures the integrity of loan data entered and maintained in Empower LOS and investor AUS;- Ensures that loan conditions submitted to obtain clear-to-close are reviewed in a timely manner;- Ensure compliance with regulatory requirements including but not limited to: HMDA, RESPA, Reg Z, Reg B, Fact Act, and Safe Act- Monitor results of internal audits and suspensions for areas needing improvement and additional training opportunities- Demonstrate exceptional service in all interactions with members, prospective members and personnel in partner credit unions- Provide guidance, training, coaching and assistance to processing staff as needed- Responsible for hiring, employee evaluations, disciplinary actions, salary adjustments and termination functions.- Review and analyze file documentation related to the loan decision and properly mitigate and document policy exceptions- Work closely with varying levels of management both internally and externally with members- Other various duties as required Qualifications:- BS/BA in Finance, Operations, or Management preferred- Typically five years experience in all aspects residential mortgage origination for both conventional and government products- Two or more years experience in a management role- Strong knowledge of Fannie Mae/Freddie Mac guidelines and AUS- Strong knowledge of State and Federal laws pertaining to the mortgage banking industry (i.e. RESPA, TILA, ECOA, etc.)- Ability to perform mathematical calculations with speed and accuracy- Proficiency in MS Office (Word, Excel, PowerPoint, Outlook)- Strong communication skills, both verbal and written, are necessary- Excellent customer service skills with strong attention to detail- Time Management skills and the ability to prioritize workload based on department SLA s and member needs- Strong analytical skills required with a high degree of accuracy- Ability to work flexible hours as needed- Ability to multi-task in other areas of the unit- Positive attitude and team-oriented spirit- Ability to function in an ever changing environment