Branded Underwriting Leader

Truist; Atlanta (GA); On-site; USD 120,000 - 137,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

401k plan

Paid vacation

Sick days

Paid holidays

Job summary

Truist is seeking a Senior Underwriting Leader to guide underwriting managers within Retail Loan Fulfillment from its office in the United States. You will drive department goals, ensure alignment with risk management, and mentor a team to uphold underwriting standards.

You will maintain deep knowledge of mortgage lending products and policies, act as escalation on credit decisions, and ensure quality metrics are met while adhering to risk parameters. The role is in-office five days a week.

Qualifications

• Bachelor's degree or equivalent education and training.
• Eight years in large bank with emphasis on operational and credit risk management.
• Four years of management/leadership experience.
• Understanding of origination life cycle and GSE underwriting guidelines.
• Strong credit, analytical, and problem-solving skills.
• Knowledge of compliance, risk and regulatory parameters.
• Ability to travel, occasionally overnight.

Responsibilities

• Provide strategic direction and leadership to Underwriting Managers and staff within Retail Loan Fulfillment.
• Maintain mortgage lending product knowledge and ensure risk-parameter compliant credit decisions.
• Support training and development of managers and staff.
• Plan staffing in coordination with capacity forecasts and provide recommendations.
• Foster relationships with sales channels and leadership; participate in divisional meetings.
• Identify opportunities to adjust Credit Policy and Underwriting Authority criteria to mitigate risk.

Skills

Strategic leadership

Credit risk management

Regulatory compliance

Analytical skills

Communication skills

Relationship building

Decision making

Education

Bachelor's degree in Business or related field

Master's degree (preferred)

Job description

Need Help?

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Regular or Temporary

Regular

Language Fluency

English (Required)

Work Shift

1st shift (United States of America)

Please review the following job description

In accordance with Truist in-office expectations, this role will be in office 5 days/week.

Essential Duties And Responsibilities

• Provide strategic direction and leadership to Underwriting Managers and other staff as needed within the Retail Loan Fulfillment functions. Set and manage teams to department goals and objectives ensuring alignment with line of business (LOB), Risk Management Organization and corporate business objectives. Coach, mentor, and develop knowledge, skills and abilities of department leadership, which includes identifying and communicating appropriately the strengths and opportunities of department management and documenting performance evaluations per Human Systems policies.
• Maintain a strong understanding of Mortgage Lending products, policies, processes, and their required documentation. Act as an escalation point between other operational departments and sales related to credit decisions. Ensure pipeline metrics and quality guidelines are met and appropriate decisions are rendered within risk parameters established by the Bank and/or investor.
• Support teammate training, onboarding, and development including mentoring managers to drive the underwriting philosophy, ensuring guidelines provide clarity in rendering credit decisions, participating in monthly UW centric forums.
• Evaluate appropriate staffing in coordination with capacity forecasts and provide recommendations
• Foster open and ongoing relationships with sales channel, LOB managers, and operational departments, including Senior Leadership Team members. Actively participate in feedback exchange forum with sales leadership to garner input, communicate strategic initiatives and accomplishments, and provide clarity on Underwriting related matters through participation in Divisional Sales Manager meetings.
• Identify and present opportunities for adjustments to Credit Policy & Underwriting Authority criteria that mitigate risk and support production efforts to the Loan Quality and Delivery Manager.
• Proactively participate in and set strategy with relevant LOBs and segment owners to ensure holistic support of retail lending fulfillment functions when developing new products, processes, policies, and procedures.
• Drive manager expectations for teammate execution on daily activities impacting Issues Management and remediation plans to ensure deliverables are met timely.
• Ensure the adherence to all appropriate risk management policies, procedures, controls and compliance regulations. Recognize and address quality trends in partnership with Shared Services, Loan Quality & Delivery, and GCO by monitoring patterns on loans that impact risk management. Provide direction to Underwriting Managers on actions to foster or implement and monitor to drive desired performance.

Qualifications

Required Qualifications

• Bachelor's degree in Business or related field, or equivalent education and related training
• Eight years of large bank experience with strong emphasis in operational and credit risk management
• Four years of management and leadership experience.
• Demonstrated understanding of the origination life cycle including familiarity with Government-Sponsored Enterprise (GSE) automated underwriting systems and guidelines for all loan products.
• Proven credit, analytical, and problem-solving skills
• Strong knowledge of compliance, risk, and regulatory parameters
• Relationship building and ability to drive decision-making through a consensus-building approach
• Ability to drive desired teammate actions through motivational leadership
• Demonstrated and proven ability to translate key strategic decisions into actionable initiatives
• Strong interpersonal, leadership and communication skills, both written and verbal, in relating to internal and external clients
• Demonstrated proficiency in basic computer applications, such as Microsoft Office software products
• Ability to travel, occasionally overnight

Preferred Qualifications

• Master's degree in Business or related field, or equivalent education and related training
• Experience in technology-based, multi-project work environment
• Experience and training in public speaking and group facilitation
• Demonstrated experience with cross-functional collaborations

To comply with the Virginia pay transparency statute and for work locations in Virginia only, the annual base salary for this position is $120k - $137k.

General Description of Available Benefits for Eligible Employees of Truist Financial Corporation

All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist's generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist's defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.

Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace.

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