Mortgage Underwriting and Compliance Manager

Summary Of Job Responsibilities

While serving in the capacity of a working mortgage underwriter, additionally manage and oversee the daily operations of mortgage underwriting and compliance, ensuring timely, accurate loan decisions.

• Supervise, coach, and evaluate underwriters to maintain productivity, quality, and compliance standards.
• Review and approve or recommend complex or exception loan files within delegated lending authority.
• Serve as a point of contact during internal audits, investor reviews, and regulatory examinations.
• Develop, implement, and update underwriting policies and procedures to align with regulatory and investor changes.
• Maintain strong relationships with outside vendors, investors and stakeholders
• Support new product implementation and ensure underwriting staff are trained in updated guidelines and requirements.
• Ensure accurate documentation and adherence to company policies throughout the mortgage underwriting process.
• Ensure all underwriting decisions comply with agency, investor, and company guidelines, including Conventional, Portfolio, HELOC and Jumbo loan programs, as well as brokered FHA, VA, and USDA.
• Monitor compliance with federal and state mortgage lending regulations, including but not limited to TRID, RESPA, TILA, ECOA, HMDA, Fair Lending, and Anti-Money Laundering (AML) requirements.
• Conduct quality control reviews, internal audits, and file monitoring to identify trends, reduce risk, and improve underwriting accuracy.
• Partner with leadership to identify process improvements, implement technology enhancements, and reduce operational risk.
• Collaborate with Quality Control, Compliance, Processing, Closing, Loan Originators, Secondary Market and servicing teams to ensure loan quality and operational efficiency.
• Research and communicate changes to agency and investor underwriting guidelines, ensuring staff receive ongoing training.
• Resolve escalated underwriting issues and provide guidance on complex income, credit, asset, and collateral scenarios.
• Analyze underwriting performance metrics, loan quality, turn times, and defect rates to improve operational effectiveness.

While serving in the capacity of a working mortgage underwriter, additionally manage and oversee the daily operations of mortgage underwriting and compliance, ensuring timely, accurate loan decisions.

• Supervise, coach, and evaluate underwriters to maintain productivity, quality, and compliance standards.
• Review and approve or recommend complex or exception loan files within delegated lending authority.
• Serve as a point of contact during internal audits, investor reviews, and regulatory examinations.
• Develop, implement, and update underwriting policies and procedures to align with regulatory and investor changes.
• Maintain strong relationships with outside vendors, investors and stakeholders
• Support new product implementation and ensure underwriting staff are trained in updated guidelines and requirements.
• Ensure accurate documentation and adherence to company policies throughout the mortgage underwriting process.
• Ensure all underwriting decisions comply with agency, investor, and company guidelines, including Conventional, Portfolio, HELOC and Jumbo loan programs, as well as brokered FHA, VA, and USDA.
• Monitor compliance with federal and state mortgage lending regulations, including but not limited to TRID, RESPA, TILA, ECOA, HMDA, Fair Lending, and Anti-Money Laundering (AML) requirements.
• Conduct quality control reviews, internal audits, and file monitoring to identify trends, reduce risk, and improve underwriting accuracy.
• Partner with leadership to identify process improvements, implement technology enhancements, and reduce operational risk.
• Collaborate with Quality Control, Compliance, Processing, Closing, Loan Originators, Secondary Market and servicing teams to ensure loan quality and operational efficiency.
• Research and communicate changes to agency and investor underwriting guidelines, ensuring staff receive ongoing training.
• Resolve escalated underwriting issues and provide guidance on complex income, credit, asset, and collateral scenarios.
• Analyze underwriting performance metrics, loan quality, turn times, and defect rates to improve operational effectiveness.

• Ability to operate a personal computer (using various software), typewriter, calculator, scanner, mortgage loan origination system, copier, fax, and other office equipment.
• Ability to speak, read, and write English and perform complex…