AVP, Non-QM Underwriting Manager

Plaza Home Mortgage, Inc.; United States; On-site; USD 90,000 - 130,000; Full time

Job summary

A national lender is seeking an AVP, Non-QM Underwriting Manager to lead the underwriting department, ensuring compliance and efficiency in loan processing. This role requires expertise in FHA, VA, and USDA guidelines, along with strong leadership skills. Candidates should possess excellent communication and problem-solving abilities to drive team success.

Qualifications

• Current Underwriting experience in the mortgage industry is required.
• Experience leading a team is preferred.
• Working knowledge of FHA, VA, and USDA guidelines essential.

Responsibilities

• Head the underwriting department and mentor Underwriters.
• Monitor productivity trends and ensure compliance.
• Participate in hiring and training new Underwriters.

Skills

Excellent written communication

Interpersonal communication

Organizational skills

Problem-solving skills

Ability to multi-task

Sound judgment skills

Education

High school diploma or equivalent

College degree preferred

Tools

Loan Origination Systems (LOS)

Automated underwriting systems (AUS)

Job description

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Founded in 2000, Plaza Home Mortgage, Inc. is a privately owned, full-service national lender, offering Wholesale, Correspondent, Renovation and Reverse residential mortgages. Headquartered in San Diego, California, Plaza employs a network of sales associates to serve its clients nationwide.

Plaza is dedicated to building quality, long-term relationships with its mortgage broker and correspondent clients by offering comprehensive programs and exceptional customer experience.

The AVP, Regional Non-QM Underwriting Manager is responsible for supporting Plaza’s Account Executives and Clients in the origination of Plaza’s Loan Programs by developing and managing the underwriting team and structure that will provide underwriting, related loan eligibility tools and knowledge-based on support for Plaza’s Loan Programs. The AVP, Regional UW Manager, will report directly under the Director of Wholesale Underwriting and work closely with SVP, Chief Underwriter and SVP, Secondary Marketing. This position will manage a team including Sr. Non-QM Underwriters who support National Wholesale Production. This position is full-time; and is exempt.

Responsibilities and Duties

Must comply with all BSA/AML requirements as well as any mandatory changes. The following job functions are not all-inclusive. The associate will be required to perform other job-related tasks/responsibilities requested by the manager. Job duties may change as required by needs of company. Must complete all required industry and compliance training as required by Plaza Home Mortgage

• Head the underwriting department of the regional operations center.
  • Work directly with Junior and Senior Underwriters of all levels by providing training and daily support.
• Assist with recruiting, interviewing, and hiring of Underwriters.
  • Motivate and coach underwriting department in achieving National Wholesale Division goals.
  • Monitor reports to identify positive and negative trends in productivity within the underwriting department.
  • Oversee pipeline to ensure loans are approved and then cleared-to-close within the expected turn-times.
  • Manage the credit policy and underwriting department and substantiate they adhere to all Plaza’s Policy & Procedures, and that loans are processed in compliance with all underwriting guidelines.
  • Engage in verbal and written communication with clients and Sales Team.
  • Effectively communicate with the underwriting team about company changes to policy and procedures.
  • Provide guidance to Underwriting Team Leads regarding how to effectively manage their teams.
  • Knowledge of FNMA, and FMLMC documentation and general guidelines/standards essential. Additionally, experience with FHA, VA and USDA is required.
  • Ability to act as FHA DE and/or VA Automatic and SAR Underwriter.
  • May be asked to second sign loan decisions for lower-level authority underwriters.
  • Act as underwriting resource for the National Wholesale Division.
  • Assist in resolving National Wholesale Division post-closing suspense issues.
  • Evaluate and analyze complex income tax returns to establish qualifying income.
  • Participate in developing process improvements and efficiencies as an ongoing best practice.
  • Conduct periodic loan-level audits to ensure compliance with all company quality standards.
  • Report productivity and departmental errors monthly to Operations Manager.
  • Assess and evaluate underwriter scorecard for efficiency gains; guide team members when required.
  • Coach underwriting team on their job performance and complete annual performance reviews by their due date.
  • Lead, guide, mentor, and train entire underwriting department.
  • Work with Regional and Operations Manager on setting monthly goals.
  • Other duties as assigned.

Required Skills

• Ability to understand and make recommended changes to standard operating procedures
• Thorough grasp of state and federal regulations is required as well as a solid understanding of: HMDA, Regulation Z, Regulation B; working knowledge of the FHLMC, FNMA guidelines; based on lending authority, working knowledge of FHA, VA and USDA
• Experience with Loan Origination Systems (LOS) such as Calyx Point, Ellie Mae, and NetOxygen
• Knowledge of paperless file environment and image software repository
• Excellent written, verbal, and interpersonal communication skills
• Ability to efficiently and consistently produce accurate work
• Solid organizational and problem-solving skills
• Capability of multi-tasking in fast-paced environment with heavy volume of transactions
• Proven aptitude to work in both a team and individual environment
• Sound judgment skills essential to make quick decisions within written policy and standard operating procedures

Education/Experience

• High school diploma or equivalent required; College degree preferred
• Previous team lead, supervisory, or commensurate experience desired
• Current Underwriting experience in the mortgage industry is a must
• Familiarity with (AUS) automated underwriting systems
• Working knowledge of loan program products and services, and policies essential
• Demonstrated skill in monitoring and overseeing loan production pipeline

Plaza is an EEOC employer and follows all federal, state, and local laws relating to fair employment.

Plaza Home Mortgage, Inc. is committed to preventing, stopping and remedying all forms of discrimination that occur in its workplace. Managers are accountable for keeping Plaza's workplace free from discrimination and ensuring that Plaza provides equal employment opportunity for all in the workforce and for those seeking to become members of Plaza's workforce.

Plaza's employees are protected by laws designed to protect employees from discrimination on the bases of race, religion, color, sex, pregnancy, gender identity, sexual orientation, parental status, national origin, age, disability, family medical history or genetic information, political affiliation, military service, or any other non-merit based factor. These protections extend to all management practices and decisions, including recruitment and hiring practices, appraisal systems, promotions, and training and career development programs. Plaza's employees are also protected against retaliation if they engage in a protected activity, whistleblowing, or the exercise of any appeal or grievance right provided by law.

This information is provided by Plaza Home Mortgage, Inc. as a courtesy to its mortgage professional clients and the public and is meant for instructional purposes only. None of the information provided is intended to be legal advice in any context. Plaza does not guarantee, warrant, ensure or promise that information provided is accurate. Terms and conditions of programs and guidelines are subject to change at any time without notice. Any unauthorized use or distribution of this information is strictly prohibited. This is not a commitment to lend. 2024 Plaza Home Mortgage, Inc. Plaza Home Mortgage and the Plaza Home Mortgage logo are registered trademarks of Plaza Home Mortgage, Inc. All other trademarks are the property of their respective owners. All rights reserved. Plaza Home Mortgage, Inc. is an Equal Housing Lender. Plaza NMLS 2113

Please find our updated Privacy Policy at:

https://www.plazahomemortgage.com/privacypolicy/

Cigna’s Transparency in Coverage link for Plaza’s careers site.

https://www.cigna.com/legal/compliance/machine-readable-files

Plaza NMLS 2113

https://www.nmlsconsumeraccess.org/

Equal Opportunity Employer

Founded in 2000, Plaza Home Mortgage, Inc. is a privately owned, full-service national lender, offering Wholesale, Correspondent, Renovation and Reverse residential mortgages. Headquartered in San Diego, California, Plaza employs a network of sales associates to serve its clients nationwide.

Plaza is dedicated to building quality, long-term relationships with its mortgage broker and correspondent clients by offering comprehensive programs and exceptional customer experience.

The AVP, Regional Non-QM Underwriting Manager is responsible for supporting Plaza’s Account Executives and Clients in the origination of Plaza’s Loan Programs by developing and managing the underwriting team and structure that will provide underwriting, related loan eligibility tools and knowledge-based on support for Plaza’s Loan Programs. The AVP, Regional UW Manager, will report directly under the Director of Wholesale Underwriting and work closely with SVP, Chief Underwriter and SVP, Secondary Marketing. This position will manage a team including Sr. Non-QM Underwriters who support National Wholesale Production. This position is full-time; and is exempt.

Responsibilities and Duties

Must comply with all BSA/AML requirements as well as any mandatory changes. The following job functions are not all-inclusive. The associate will be required to perform other job-related tasks/responsibilities requested by the manager. Job duties may change as required by needs of company. Must complete all required industry and compliance training as required by Plaza Home Mortgage

• Head the underwriting department of the regional operations center.
  • Work directly with Junior and Senior Underwriters of all levels by providing training and daily support.
• Assist with recruiting, interviewing, and hiring of Underwriters.
  • Motivate and coach underwriting department in achieving National Wholesale Division goals.
  • Monitor reports to identify positive and negative trends in productivity within the underwriting department.
  • Oversee pipeline to ensure loans are approved and then cleared-to-close within the expected turn-times.
  • Manage the credit policy and underwriting department and substantiate they adhere to all Plaza’s Policy & Procedures, and that loans are processed in compliance with all underwriting guidelines.
  • Engage in verbal and written communication with clients and Sales Team.
  • Effectively communicate with the underwriting team about company changes to policy and procedures.
  • Provide guidance to Underwriting Team Leads regarding how to effectively manage their teams.
  • Knowledge of FNMA, and FMLMC documentation and general guidelines/standards essential. Additionally, experience with FHA, VA and USDA is required.
  • Ability to act as FHA DE and/or VA Automatic and SAR Underwriter.
  • May be asked to second sign loan decisions for lower-level authority underwriters.
  • Act as underwriting resource for the National Wholesale Division.
  • Assist in resolving National Wholesale Division post-closing suspense issues.
  • Evaluate and analyze complex income tax returns to establish qualifying income.
  • Participate in developing process improvements and efficiencies as an ongoing best practice.
  • Conduct periodic loan-level audits to ensure compliance with all company quality standards.
  • Report productivity and departmental errors monthly to Operations Manager.
  • Assess and evaluate underwriter scorecard for efficiency gains; guide team members when required.
  • Coach underwriting team on their job performance and complete annual performance reviews by their due date.
  • Lead, guide, mentor, and train entire underwriting department.
  • Work with Regional and Operations Manager on setting monthly goals.
  • Other duties as assigned.

Required Skills

• Ability to understand and make recommended changes to standard operating procedures
• Thorough grasp of state and federal regulations is required as well as a solid understanding of: HMDA, Regulation Z, Regulation B; working knowledge of the FHLMC, FNMA guidelines; based on lending authority, working knowledge of FHA, VA and USDA
• Experience with Loan Origination Systems (LOS) such as Calyx Point, Ellie Mae, and NetOxygen
• Knowledge of paperless file environment and image software repository
• Proficiency with computer systems including MS Office (Word, Excel, and Outlook), Internet Browsers, and email functions required
• Excellent written, verbal, and interpersonal communication skills
• Superior customer service skills
• Ability to efficiently and consistently produce accurate work
• Solid organizational and problem-solving skills
• Capability of multi-tasking in fast-paced environment with heavy volume of transactions
• Proven aptitude to work in both a team and individual environment
• Sound judgment skills essential to make quick decisions within written policy and standard operating procedures

Education/Experience

• High school diploma or equivalent required; College degree preferred
• Previous team lead, supervisory, or commensurate experience desired
• Current Underwriting experience in the mortgage industry is a must
• Familiarity with (AUS) automated underwriting systems
• Working knowledge of loan program products and services, and policies essential
• Demonstrated skill in monitoring and overseeing loan production pipeline

Plaza is an EEOC employer and follows all federal, state, and local laws relating to fair employment.

Plaza Home Mortgage, Inc. is committed to preventing, stopping and remedying all forms of discrimination that occur in its workplace. Managers are accountable for keeping Plaza's workplace free from discrimination and ensuring that Plaza provides equal employment opportunity for all in the workforce and for those seeking to become members of Plaza's workforce.

Plaza's employees are protected by laws designed to protect employees from discrimination on the bases of race, religion, color, sex, pregnancy, gender identity, sexual orientation, parental status, national origin, age, disability, family medical history or genetic information, political affiliation, military service, or any other non-merit based factor. These protections extend to all management practices and decisions, including recruitment and hiring practices, appraisal systems, promotions, and training and career development programs. Plaza's employees are also protected against retaliation if they engage in a protected activity, whistleblowing, or the exercise of any appeal or grievance right provided by law.

This information is provided by Plaza Home Mortgage, Inc. as a courtesy to its mortgage professional clients and the public and is meant for instructional purposes only. None of the information provided is intended to be legal advice in any context. Plaza does not guarantee, warrant, ensure or promise that information provided is accurate. Terms and conditions of programs and guidelines are subject to change at any time without notice. Any unauthorized use or distribution of this information is strictly prohibited. This is not a commitment to lend. 2024 Plaza Home Mortgage, Inc. Plaza Home Mortgage and the Plaza Home Mortgage logo are registered trademarks of Plaza Home Mortgage, Inc. All other trademarks are the property of their respective owners. All rights reserved. Plaza Home Mortgage, Inc. is an Equal Housing Lender. Plaza NMLS 2113

Please find our updated Privacy Policy at:

https://www.plazahomemortgage.com/privacypolicy/

Cigna’s Transparency in Coverage link for Plaza’s careers site.

https://www.cigna.com/legal/compliance/machine-readable-files

Plaza NMLS 2113

https://www.nmlsconsumeraccess.org/

Equal Opportunity Employer

This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

Seniority level

• Seniority level

  Director

Employment type

• Employment type

  Full-time

Job function

• Job function

  Other

• Industries

  Banking

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