FVP, Non-Agency Underwriting Operations

Western Alliance Bancorporation; Dallas (TX); On-site; USD 190,000 - 260,000; Full time

Benefits offered by this job

Competitive salary

401(k) with company match

Medical and dental insurance

Tuition assistance

Job summary

AmeriHome Mortgage, a Western Alliance Bank company, seeks a seasoned FVP of Non-Agency Underwriting Operations in Dallas/Irving. Lead the residential underwriting team, set strategies, and ensure adherence to Credit Manuals and investor guidelines while driving efficiency and quality in all loan decisions.

The role requires 8+ years in underwriting leadership, deep mortgage product knowledge, and strong regulatory acumen.

Qualifications

• 8+ years of related experience in Residential Mortgage Loan Underwriting or similar field.
• Bachelor's degree or equivalent experience preferred.
• Advanced knowledge of residential mortgage industry in Correspondent or Retail Lending.
• Deep understanding of FHA/VA/conventional loans and underwriting guidelines.

Responsibilities

• Lead and manage the residential mortgage underwriting team, including managers, underwriters, and support staff.
• Develop and execute underwriting strategies aligned with corporate goals and risk appetite.
• Calibrate and train fulfilment and third-party due diligence teams to AmeriHome guidelines.
• Oversee daily underwriting operations to ensure timely, accurate, and compliant loan decisions.
• Collaborate with IT to evaluate underwriting technology solutions including automation.

Skills

Mortgage underwriting

Leadership

Risk management

Regulatory compliance

Communication skills

Team management

Education

High school diploma

Bachelor's degree or equivalent experience

Tools

Encompass (LOS)

MS Office

Automation/AI tools

Job description

Job Title: FVP, Non-Agency Underwriting Operations Location: TX - Dallas/Irving

What you’ll do:

The FVP of Non-Agency Underwriting Operations is responsible for overseeing all aspects of Non-Agency underwriting operations, both in-house and third-party reviews. This role ensures consistent application of credit policy, regulatory compliance, operational efficiency, and high-quality customer service. The ideal candidate will have deep expertise in mortgage underwriting, a strong understanding of risk management, and a proven ability to lead high-performing teams in a dynamic environment.

Leadership & Strategy

• Lead and manage the residential mortgage underwriting team, including managers, underwriters, and support staff.
• Develop and execute underwriting strategies aligned with corporate goals and risk appetite.
• Serve as a key member of the mortgage leadership team, contributing to broader business planning and decision-making of this product.
• Calibrate and train Non-Agency fulfilment and Third Party due diligence teams to AmeriHome guidelines
• Regular training to all underwriting, lender/client staff on Non-Agency guidelines

Operational Excellence

• Oversee daily underwriting operations to ensure timely, accurate, and compliant loan decisions.
• Implement process improvements to enhance efficiency, reduce cycle times, and improve Lender/clients or borrower experience per channel.
• Monitor and manage underwriting pipelines, SLAs, and productivity metrics.
• Collaborate with Operations, Sales, Capital Markets, Quality Control, and Corporate Governance leadership towards Non-Agency product and process success.

Risk & Compliance

• Ensure adherence to internal credit policies, Credit Manuals, GSEs and private investor guidelines, and regulatory requirements.
• Partner with Compliance and Risk teams to proactively identify and mitigate underwriting risks.
• Assist as required in internal and external audit preparation and response efforts.
• Ensure all underwriting procedures are updated

Talent Development

• Recruit, train, and mentor underwriting staff to build a culture of excellence, accountability, and continuous learning.
• Conduct performance reviews and provide coaching to support career growth development.

Technology & Innovation

• Collaborate with IT and digital teams to evaluate and implement underwriting technology solutions, including automation and AI tools.
• Stay current on industry trends and innovations to maintain a competitive edge.

What you’ll need:

• 8+ years of related experience in Residential Mortgage Loan Underwriting or similar field.
• High school diploma required; Bachelor's degree or equivalent experience preferred.
• Previous leadership experience required.
• Advanced knowledge of residential mortgage industry in Correspondent or Retail Lending, including sales, operations, capital markets and/or other residential mortgage products and services.
• Advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices.
• Advanced In-depth knowledge of mortgage loan products, lending principles and regulatory compliance.
• Extensive understanding of mortgage lending principles and underwriting guidelines, including FHA, VA, and conventional loans, loan processing and automated underwriting systems.
• Working knowledge of mortgage lending principles and underwriting guidelines including self-employed borrowers, partnership, corporation tax return analysis, Appraisal Reviews, condo project reviews, Trust, Leasehold and Power of Attorney documentation.
• Advanced experience in understanding and knowledge of technology that supports mortgage banking, Encompass (LOS) and core systems and MS Office products.
• Advanced speaking and writing communication skills.
• DE or SAR certifications required.

Benefits you’ll love:

• competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program.

In addition, you’ll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career!

About the company:

AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bank, Member FDIC, is a wholly owned subsidiary of Western Alliance Bancorporation. Serving clients nationwide, Western Alliance Bank includes six legacy bank brands - Alliance Association Bank, Alliance Bank of Arizona, Bank of Nevada, Bridge Bank, First Independent Bank and Torrey Pines Bank - that remain part of the company’s heritage. Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email [e-mail] or call 602-386-2488. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process.

© Western Alliance Bancorporation About AmeriHome Mortgage AmeriHome Mortgage, a Western Alliance Bank company, is a leading national business-to-business mortgage acquirer and servicer. In 2020, AmeriHome ranked as the nation’s third-largest correspondent mortgage provider, primarily purchasing mortgage loans from a network of independent mortgage originators. Overall, the company is the 13th largest producer of mortgages in the U.S. The organization has created a flexible and scalable platform with a modern purpose-built infrastructure, advanced data and analytics capabilities, all leveraging deep industry expertise and a highly efficient cost structure to target profitability in all market environments. AmeriHome has a track record of consistent, prudent and profitable growth. With more than 1,000 employees, AmeriHome is a premier mortgage company, a multi-channel - mortgage investor, direct-to-consumer lender and servicer, licensed in 49 states, and headquartered in Thousand Oaks, California with offices in Irvine, CA, and Dallas, TX. Focused on delivering excellence in lending, our motivation for success is represented throughout the company and thrives from the trust built between all employees. AmeriHome is always looking for top talent to join our growing, fast-paced, and friendly teams.

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