ILQA Underwriter

Amerihome Mortgage; Dallas (TX); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Competitive salary

Equity stake

Health insurance

Dental insurance

Time off

401k match

Tuition assistance

Volunteer program

Wellness program

Job summary

AmeriHome Mortgage is seeking an ILQA Underwriter in Dallas, TX. The role focuses on in-line reviews of conventional and government loans, ensuring compliance and timely remediation of identified issues.

The candidate should have 5+ years in underwriting, strong regulatory knowledge, and proficiency with Encompass and MS Office. This position emphasizes data integrity and collaborative teamwork in a fast-paced environment.

Qualifications

• Bachelor's degree or equivalent experience required.
• 5+ years of related underwriting or mortgage experience.
• Knowledge of residential mortgage guidelines and overlays.
• Strong regulatory and compliance understanding.

Responsibilities

• Perform in-line quality assurance reviews of high-risk loans for regulatory and policy compliance.
• Analyze data and recommend gap-related solutions to improve quality.
• Stay current on company policies and federal/state regulatory changes.
• Ensure loan origination data integrity in the LOS system.
• Identify suspected fraud and escalate unresolved issues to management.
• Manage daily reports and communicate with leadership.
• Transition effectively between independent and team roles.
• Identify red flags and provide practical remediation recommendations.

Skills

Regulatory compliance

Data analysis

Communication skills

Fraud detection

Team collaboration

Education

Bachelor's degree or equivalent experience

Tools

Encompass

MS Office

Job description

Job Title

ILQA Underwriter

Location

TX - Dallas/Irving

What you'll do

As an In-Line Quality Assurance Underwriter (ILQA UW) , you'll be responsible for in-line review of conventional and government loans in the Retail Lending review or Correspondent Lending review process for specific underwriting component processes. You will partner with ILQA management to ensure that loans are reviewed in an accurate manner and identified issues are remediated in a timely manner. You'll need to minimize risk by maintaining a high level of regulatory and procedural compliance. You will manage a pipeline on a daily basis by completing sufficient underwriting reviews and perform independent research of guidelines and overlays while reviewing loans. You must be highly self-motivated, entrepreneurial, organized and passionate in a team environment.

• Perform daily in-line quality assurance reviews on a selection of high-risk criteria loans, ensuring compliance with regulatory requirements and company credit and operational guidelines.
• Analyze data and assist with recommendations as to appropriate gap-related solutions.
• Keep abreast of all company policies and procedures as well as federal and state regulatory changes.
• Ensure data integrity in the loan origination system by ensuring role activities are appropriately documented in the system of record.
• Identify any suspected fraudulent activity and escape to management all unresolved issues.
• You’ll manage daily reports and must communicate effectively with management.
• You must be able toseamlessly transition from an independent contributor to a group collaborator.
• You’ll need to identifyred flags and offer solutions based on experience and expertise.

What you’ll need

• 5+ years of related experience or similar field.
• Bachelor's degree or equivalent experience required.
• Intermediate knowledge of residential mortgage industry in Correspondent or Retail Lending; including sales, operations, capital markets and/or other residential mortgage products and services.
• Intermediate knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices.
• Intermediate knowledge of investor/insurer guidelines, including FHLMC, FNMA, FHA, VA, and USDA.
• Intermediate knowledge of MS Office products. Advanced speaking and writing communication skills.
• Knowledge of ICE Mortgage Technology/ Encompass.
• Advanced speaking and writing communication skills.

Benefits you’ll love

• We offer all the important things you’d want - like 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