Senior Vice President – Senior Director, Underwriting

• Lead, strategize, and execute underwriting and appraisal functions across Correspondent Delegated and Non-Delegated, Portfolio Lending, and Retail Lending
• Define, implement, and refine the vision and strategy for all underwriting divisions within Ameri Home
• Oversee, develop, and performance-manage underwriters and underwriting managers
• Enhance departmental productivity, efficiency, customer service, process excellence, and loan quality
• Build and sustain strategic relationships with agency and non-agency partners including Fannie Mae, Freddie Mac, FHA, VA, USDA, Ginnie Mae, and other investors
• Collaborate cross-functionally to align underwriting practices with Western Alliance Bank’s credit risk framework
• Build, lead, and empower high-performing credit operations teams
• Set departmental goals and maintain controls and procedures for timely, accurate underwriting, appraisal, and reviews
• Serve as a credit subject matter expert and decide complex loan scenarios
• Monitor underwriting pipelines, SLAs, and productivity metrics
• Drive operational strategy and capacity planning for Correspondent and Retail Lending
• Lead process improvements to enhance service levels, reduce cost per loan, and maintain loan quality
• Analyze and structure transactions to contain credit risk within acceptable parameters
• Partner with product and technology teams to deploy products, automation, and AI capabilities
• Participate in strategic planning and provide regular reporting and performance metrics in Monthly Business Reviews
• Recruit, coach, mentor, and develop underwriting staff
• Ensure underwriting procedures reflect evolving regulatory and investor requirements
• Ensure compliance with bank policies, procedures, applicable laws, rules, and regulations

• 15+ years of related experience in residential mortgage loan underwriting
• Wholesale mortgage lending experience required
• Bachelor’s degree in a related field required
• 8+ years of residential mortgage underwriting management experience; 5+ years in a senior leadership role preferred
• Experience with digital mortgage platforms and automation tools
• Advanced knowledge of residential mortgage products and Correspondent or Retail Lending
• Advanced knowledge of federal and state regulatory and legal compliance obligations, including TRID, ECOA, HMDA, FCRA, Flood, HOEPA, HPML, Appraisal, ATR/QM, TCPA, UDAAP, and Fair Lending
• In-depth knowledge of mortgage loan products, lending principles, regulations, and underwriting guidelines
• Extensive understanding of FHA, VA, and conventional loans, loan processing, and automated underwriting systems
• Knowledge of self-employed borrower analysis, partnership and corporation tax returns, appraisal reviews, condo project reviews, Trust, Leasehold, and Power of Attorney documentation
• Advanced experience with Encompass, LOS, AUS, core systems, and Microsoft Office
• Advanced speaking and writing communication skills
• Direct Endorsement (DE) or Staff Appraisal Reviewer (SAR) designation required
• Occasional travel required

Demonstrates extensive expertise in residential mortgage loan underwriting, including advanced knowledge of regulatory compliance and lending principles. Proven ability to lead and develop high-performing teams while driving operational strategy and process improvements.

• 15+ Years Of Residential Mortgage Loan Underwriting Experience
• Wholesale Mortgage Lending Experience
• Advanced Knowledge Of Federal And State Regulatory Compliance
• Direct Endorsement (DE) Or Staff Appraisal Reviewer (SAR) Designation
• Experience With Digital Mortgage Platforms And Automation Tools

• Residential Mortgage Products
• Underwriting Guidelines
• Credit Risk Analysis
• Loan Processing
• Automated Underwriting Systems
• Appraisal Reviews
• Condo Project Reviews
• Self-Employed Borrower Analysis
• Performance Management
• Capacity Planning

• Advanced Communication Skills
• Leadership
• Mentoring
• Collaboration
• Strategic Relationship Building

• Direct Endorsement (DE)
• Staff Appraisal Reviewer (SAR)

• FHA
• VA
• Conventional Loans
• TRID
• ECOA
• HMDA
• FCRA
• Flood
• HOEPA
• Fair Lending

• Encompass
• LOS
• AUS
• Microsoft Office
• Automation Tools