Team Lead, Mortgage Underwriting

This is a fully remote position, open to applicants in United States.

📋 Description

• Underwrite all first and second mortgages within the designated approval authority.

• Oversee the mortgage pipeline to guarantee timely loan decisions.

• Ensure that mortgage loan files adhere to secondary market guidelines, program requirements, credit union policies, and regulatory standards.

• Assess and evaluate loan files for accuracy, completeness, data integrity, and sound credit risk evaluation.

• Manage the mortgage pipeline, balance workloads, and meet service-level objectives.

• Act as a subject matter expert on mortgage products, underwriting guidelines, and intricate loan scenarios.

• Provide leadership, mentorship, training, and performance assistance to the underwriting team.

• Identify and execute process enhancements, workflow efficiencies, and automation solutions.

• Utilize technology, automation, and AI-driven tools to enhance underwriting efficiency, decision quality, workflow management, and member experience.

• Analyze production and quality metrics to identify trends and suggest improvements.

• Engage in system upgrades, digital mortgage projects, and departmental initiatives.

• Collaborate with Mortgage Loan Officers, Operations, Secondary Market, and third-party vendors.

• Stay updated on industry regulations, mortgage products, investor guidelines, and emerging technologies.

• Ensure compliance with Credit Union policies and relevant regulations.

• Perform additional responsibilities and special projects as assigned.

⛳️ Requirements

• A bachelor's degree in finance, business administration, or a related field is preferred.

• At least five (5) years of relevant experience at a credit union, bank, or other financial institution.

• A minimum of three (3) years of leadership, supervisory, or team management experience, which includes coaching, performance management, workload distribution, and employee development.

• Proven experience with technology, workflow automation, digital mortgage platforms, and AI-enabled tools is preferred.

• Strong problem-solving, organizational, analytical, verbal, and written communication skills.

• Excellent decision-making and time-management abilities.

• Results-oriented, service-minded, self-driven, and capable of working independently.

• Comprehensive knowledge of secondary market guidelines and regulatory standards.

• Must comply with SAFE Act requirements and NMLRS registration obligations.

• High level of integrity and trustworthiness.

• Proficient in Microsoft Office and Encompass or similar loan origination systems.

• A stable internet connection with sufficient speed for video conferencing and screen sharing.

• A smartphone with the latest iOS/Android operating system.

• Ability to communicate effectively with colleagues and clients via email, chat, teleconferencing, and/or phone.

• Must reside within the United States, excluding Montana, Nebraska, Rhode Island, and Puerto Rico.

• U.S. work authorization is required; no current or future sponsorship is available.

🏝️ Benefits

• Comprehensive health insurance packages with an option for a Health Reimbursement Account.

• Life, AD&D, Short-Term Disability, and Travel Insurance.

• 401k plan with a company match dollar for dollar up to 6 percent.

• Generous time-off policy, including paid time off (PTO), volunteer time off (VTO), birthday PTO, and company-observed holidays.

• Monthly stipend for wellness activities and mental health support.

• Tuition reimbursement available.

• Pet benefits, including insurance, discounts, “pawternity” PTO day, and more.

• Bonus/commission plan for qualifying positions.

• Employee perks, including mortgage discounts.

• PTO purchase and sell-back options.

• Rewards and peer recognition programs.

• Trust-based, outcome-oriented remote work environment for most roles.

• Discretionary incentive compensation based on both company and individual performance.