Senior Mortgage Underwriting & Compliance Leader

Citizens Bank - Indiana; Avon (IN); On-site; USD 85,000 - 105,000; Full time

Job summary

Citizens Bank - Indiana is seeking an experienced Mortgage Underwriter Supervisor to lead daily underwriting operations and ensure timely, accurate loan decisions. You will coach underwriters, review complex files, and partner with audits, regulators, and investors to maintain high standards of quality and compliance.

The role requires strong knowledge of agency and investor guidelines, TRID, RESPA, TILA, and HMDA, with the ability to implement policy changes and train staff on revised

Qualifications

• Strong supervisory experience in mortgage underwriting.
• Experience ensuring compliance with agency, investor, and company guidelines.

Responsibilities

• Supervise, coach, and evaluate underwriters to maintain productivity, quality, and compliance standards.
• Review and approve or recommend complex or exception loan files within delegated lending authority.
• Serve as a point of contact during internal audits, investor reviews, and regulatory examinations.
• Develop, implement, and update underwriting policies and procedures to align with regulatory and investor changes.
• Maintain strong relationships with outside vendors, investors and stakeholders.
• Support new product implementation and ensure underwriting staff are trained in updated guidelines and requirements.
• Ensure accurate documentation and adherence to company policies throughout the mortgage underwriting process.
• Ensure all underwriting decisions comply with agency, investor, and company guidelines, including Conventional, Portfolio, HELOC and Jumbo loan programs, as well as brokered FHA, VA, and USDA.
• Monitor compliance with federal and state mortgage lending regulations, including but not limited to TRID, RESPA, TILA, ECOA, HMDA, Fair Lending, and Anti-Money Laundering (AML) requirements.
• Conduct quality control reviews, internal audits, and file monitoring to identify trends, reduce risk, and improve underwriting accuracy.
• Partner with leadership to identify process improvements, implement technology enhancements, and reduce operational risk.
• Collaborate with Quality Control, Compliance, Processing, Closing, Loan Originators, Secondary Market and servicing teams to ensure loan quality and operational efficiency.
• Research and communicate changes to agency and investor underwriting guidelines, ensuring staff receive ongoing training.
• Resolve escalated underwriting issues and provide guidance on complex income, credit, asset, and collateral scenarios.
• Analyze underwriting performance metrics, loan quality, turn times, and defect rates to improve operational effectiveness.

Skills

Office equipment operation

English language proficiency

Data gathering

Confidentiality

Education

Bachelor's degree in finance or related field

Tools

Encompass

Mortgage loan origination system

Job description

Citizens Bank - Indiana is seeking an experienced Mortgage Underwriter Supervisor to lead daily underwriting operations and ensure timely, accurate loan decisions. You will coach underwriters, review complex files, and partner with audits, regulators, and investors to maintain high standards of quality and compliance.

The role requires strong knowledge of agency and investor guidelines, TRID, RESPA, TILA, and HMDA, with the ability to implement policy changes and train staff on revised