Manages a team of residential first mortgage underwriters within the High Net Worth platform. Ensure compliance with established policies and procedures. Has approval authority for more complex loan requests. Has responsibility for operations management including production, manufacturing quality, and client satisfaction goals, staffing, coaching and performance management, and relationship deepening with the client management team within the firm. Participates in projects and operational excellence initiatives. Drives employee engagement actions and initiatives. May help coordinate on-site internal, investor or regulatory audits

Perform research, provide summary, handle communications with Underwriting team and other business units, and complete loan underwriting tasks as needed for urgent loan escalations and internal “pre-escalations” Capture root causes of escalations, for educational opportunities for both UW and Sales Leadership to drive Operational ExcellenceAssist Underwriting Managers with Quality oversight and Pipeline surveillance

Manual underwriting primarily in the $1mm+ loan amounts supporting clients requiring in depth tax return analysis and complex asset and liquidity analysis, combined with the highest of quality assurance and customer care standards

Coach, develop and direct a team of 7-12 quality assurance analysts toward achievement of productivity and quality goals in the audit and underwrite of first mortgage conventional and government loans. All efficiency and effectiveness metrics exceeded each yearCollaborate with direct reports, senior leadership, and fulfillment business partners to proactively debate the risk associated with approximately 33% of all mortgage loans cleared to closeUnderwrite team first mortgage audit findings, to ensure accuracy in published defects and mitigation of risk exposureIdentify and assist with the remedy of credit and underwriting process gaps to ensure alignment with first mortgage policy and procedure, delivering feedback regarding audit findings and current error trends with resolution and coaching opportunities to business partnersTrack, report and monitor effectiveness of key mortgage audit controls and status of mitigation and action plans associated with tall bar audit errorsLead facilitator assigned to design and deliver new-hire onboarding training

Underwrite residential conventional and FHA/VA loan documentation for accuracy, completeness, and compliance with appropriate company and secondary market investor standardsEvaluate and re-underwrite credit decisions for accuracy based on established risk parameters and in accordance with policy, with focus on fraud detection and preventionAssisted in making recommendations and modifications to quality assurance, underwriting, loan processing, and fraud prevention procedures

Underwriting conventional residential mortgage loan applications, lending limit of $3,000,000Supported underwriting staff by reviewing complex documentation and scenarios, as well as analyzing loans for credit risk in consideration for exceptions to program guidelinesDedicated alignment to top producing account for the company, dealing with a high volume of work in a fast-paced deadline-driven environment

Took incoming calls from lenders and brokers related to both single family underwriting guidelines and Freddie Mac automated underwriting system Loan ProspectorResponsible for research of Freddie Mac’s Seller/Servicer Guide in order to resolve lender inquiries regarding eligibility of mortgage files for sale to Freddie MacResolved customer issues regarding understanding credit usage and credit evaluation methods

First Mortgage, Wholesale Lending DivisionUnderwriting conventional residential mortgage loan applications, lending limit of $650,000Responsible for advising brokers of decisions and negotiating to complete loan files or resolve any customer conflicts