Senior Director Underwriting

Overview

Join to apply for the Senior Director Underwriting role at Ameri Home Mortgage Company, LLC
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What you’ll do and how you’ll contribute to Ameri Home’s underwriting teams across all business lines and channels, including Correspondent Delegated and Non-Delegated, Portfolio Lending, and Retail Lending. Lead the oversight, development, and performance management of underwriters and underwriting managers within the lending channel. Define, implement, and refine the vision and strategy for all underwriting divisions, ensuring alignment with organizational goals and risk appetite.

Drive initiatives to enhance departmental productivity, efficiency, and customer service across multiple underwriting teams. Ensure credit operations meet or exceed production and financial targets while maintaining process excellence and loan quality. Build and sustain strategic relationships with Ameri Home’s agency and Non-Agency partners (Fannie Mae, Freddie Mac, FHA, VA, USDA, Ginnie Mae and other investors). Collaborate cross-functionally to ensure consistent underwriting practices and alignment with Western Alliance Bank’s credit risk framework.

Drive process innovation, expense management, and quality assurance, leveraging deep expertise in mortgage documentation and investor requirements. Ensure compliance with the Bank’s policies and procedures, and all applicable laws, rules, and regulations.

• Build, lead, and empower high-performing credit operations teams that balance sales, underwriting, and risk. Set departmental goals and ensure robust controls and procedures for timely, accurate underwriting, appraisal, and reviews, while maintaining a focus on credit quality, service, and efficiency. Manage and develop underwriting leadership and staff, including Underwriters, Underwriting Managers, and the Scenario Desk team. Serve as a credit SME for conventional, government, and non-agency loans, making decisions on complex loan scenarios escalated by internal teams and external partners.
  
  Monitor and manage underwriting pipelines, SLAs, and productivity metrics.
• Drive operational strategy and capacity planning for Correspondent and Retail Lending divisions, aligning staffing and resources with production and financial goals. Lead process improvement initiatives to enhance service levels, reduce cost per loan, and maintain loan quality. Maintain a thorough understanding of Ameri Home’s underwriting and regulations in accordance with mortgage lending. Analyze transactions and assist in structuring transactions to contain Ameri Home’s credit risk within acceptable parameters.
• Partner with product and technology teams to design and deploy new products and digital capabilities—specifically automation and AI tools—that enhance underwriting performance and consistency as well as boost efficiency, reduce cycle times, and improve lender/clients or borrower experience per channel. Ensure alignment with Western Alliance Bank’s credit risk framework, and actively promote Ameri Home’s culture of customer service, quality, and innovation.
• Identify and leverage strategic opportunities by utilizing existing resources and relationships with clients and business partners. Participate in strategic planning and execution to meet divisional goals and provide regular reporting and performance metrics in Monthly Business Reviews. Promote a culture of innovation, customer service, and continuous improvement across all underwriting teams. Recruit, coach, and mentor underwriting staff to build a culture of excellence, accountability, and continuous learning.
  
  Ensure all underwriting procedures are current and reflect evolving regulatory and investor requirements.
• Lead and develop a team; responsible for hiring, coaching, performance management, training and development.

• 15+ years of related experience in Residential Mortgage Loan Underwriting
• Bachelor's degree in related field required;
  Masters or MBA in related field preferred
• 8+ years of experience in residential mortgage underwriting management, with at least 5 years in a senior leadership role preferred
• Must have experience with digital mortgage platforms and automation…