Real Estate Underwriting Manager

Honor Credit Union; Berrien Springs (MI); Hybrid; USD 70,000 - 90,000; Full time

Benefits offered by this job

Medical with prescription coverage

Dental and Vision

401k employer contribution & matching

Paid time off and paid holidays

Paid community volunteer hours

Well-being spending account

Various discounts for team members

Job summary

Honor Credit Union is looking for a Real Estate Underwriting Manager in Berrien Springs. This full-time position requires leadership of a mortgage underwriting team and involves ensuring timely loan decisions aligned with company standards.

The ideal candidate will have a Bachelor's degree and at least five years of mortgage underwriting experience, including two years in a leadership role. Strong communication and project management skills, along with a profound understanding of mortgage regulations, are essential.

Honor provides excellent benefits including medical coverage, 401k matching, and paid time off.

Qualifications

• Five to eight years of mortgage underwriting experience, with a minimum of two years of leadership experience.
• Direct endorsement is required.
• Thorough understanding of mortgage regulations and compliance requirements.

Responsibilities

• Lead a team of Real Estate Underwriters for loan decisions.
• Provide leadership, coaching, and training to the Mortgage Underwriting Team.
• Enhance operational processes with internal stakeholders.
• Ensure adherence to mortgage requirements through staff training.

Skills

Strong listening, verbal, and written communication skills

Strong project management skills

Exceptional problem-solving skills

Analytical and decision-making skills

Education

Bachelor's degree in Finance, Business Administration, or a related field

Tools

Mortgage loan origination systems

Job description

Real Estate Underwriting Manager - Berrien Springs (Full-Time)

Hybrid Work Eligible position. You may be required to come into the Operations Center in Berrien Springs, MI as needed to ensure business needs are met.

About Honor

At Honor Credit Union, we’ve been putting members first since 1934. Our team remains true to our member promise: Providing Solutions For Your Financial Success. Honor members enjoy extraordinary member service at 28 member centers, and worldwide through online banking.

Our Team

As a team member at Honor Credit Union, you are genuinely part of a family. We leave the term "employee" at the door because you're much more than that; you're a valued member of the Honor Team and its success. We don't settle for good; we aspire to be great, and that starts with the people that live out the "I Am Honor" promise every day.

At our core, we are obsessed with providing extraordinary member experience with solutions for financial success. We are rooted in the belief that finances don't have to be intimidating and giving back to the communities we serve is essential. We are made up of outgoing, positive, friendly, and highly experienced people, which creates an inclusive, stimulating atmosphere. Smiling is the epitome of our culture, and like kindness, we believe smiling is contagious - it's no accident that you'll find a smiley face on all things Honor.

Commitments to Living "I Am Honor"

• Act with Urgency and Care - You have the direct authority and responsibility to act and seek out solutions.
• The Platinum Rule - Treat others the way they want to be treated.
• Make the Connection - Develop genuine relationships so you can provide a "WOW" experience.
• See a Need, Fill a Need - Seize opportunities to help others meet their needs, whether they are known or unrealized.
• Reason over Rules - Make decisions that are good for the person and good for Honor.
• Cultivate Peace & Love - Uphold an environment where diversity is celebrated, kindness is contagious, and everyone belongs.

What We Are Looking For

• Accountable for leading a team of Real Estate Underwriters to ensure accurate, thorough, and timely loan decisions.
• Provides leadership, coaching, and training to the Mortgage Underwriting Team.
• Works with internal stakeholders, discovers and enhances current operational processes.
• Ensures the Mortgage Underwriting Team is well-versed on both Honor portfolio mortgage products and the secondary market. Makes sure secondary market loans adhere to underwriting criteria set forth by the investor and makes recommendations and approvals on portfolio loans.
• Assures general adherence to mortgage requirements by staff training and research.
• Fosters a positive and collaborative work environment for the entire Mortgage Department and Real Estate Underwriting Team.
• Reviews complex or escalated underwriting issues and makes recommendations for decisioning or resolution.

What We Expect From You

Education/Certification

• Bachelor's degree in Finance, Business Administration, or a related field; or an equivalent combination of training and work experience.

Experience Required

• Five to eight years of mortgage underwriting experience, with a minimum of two years of leadership experience.
• Direct endorsement required.
• Thorough understanding of mortgage regulations, underwriting guidelines, secondary market and FHA lending, and mortgage compliance requirements.

Knowledge/Skills/Abilities

• Must have a demonstrated ability to keep finances in order.
• Strong listening, verbal, and written communication skills.
• Strong project management skills, well-organized and have an excellent eye for detail.
• Handle issues with tact, diplomacy, and an appropriate sense of urgency.
• Understands and complies with all applicable laws and regulations.
• Exceptional problem‑solving skills.
• Strong analytical and decision‑making skills.
• Proficient in using mortgage loan origination systems and related origination software.

What’s In It For You

Honor has excellent benefits for all full and part‑time team members. We offer:

• Medical with prescription coverage, Dental, and Vision.
• 401k employer contribution & matching program.
• Paid time off and paid holidays (including your birthday!).
• Paid community volunteer hours.
• Well‑being spending account.
• Various discounts on credit union products and services for team members & their families.
• Additional perks included.