Underwriting Manager

Jobtailor; Kennebunk (ME); On-site; USD 95,000 - 135,000; Full time

Job summary

Camden National Bank is seeking a senior-level Underwriting Manager to lead a team of mortgage underwriters, ensuring sound credit decisions and policy compliance. You will oversee daily operations, mentor staff, and collaborate with investors and appraisers to maintain loan quality.

The role requires extensive experience in mortgage underwriting, strong leadership and communication skills, and deep knowledge of loan products including FHA/VA/RD.

Qualifications

• Minimum of 7–10 years of experience in mortgage underwriting.
• At least 3–5 years in a leadership or management role within banking or financial institution.
• Encompass experience preferred.
• Excellent analytical, decision-making, and problem-solving skills.
• Demonstrated ability to lead, motivate, and develop a team of professionals.
• Exceptional communication (written and verbal) and interpersonal skills.
• Proficiency in loan origination systems and Microsoft Office Suite.
• Ability to obtain CNB Retail Loan Authority.
• Knowledge of Camden National Bank Loan Policy, department procedures, mortgage products, loan documentation, compliance-related regulations, real estate industry terminology and practices, and loan structure.
• Knowledge of relevant banking laws, regulations, internal policies, and fair lending practices

Responsibilities

• Lead a team of underwriters and ensure sound credit decisioning, consistent application of bank policy and agency requirements, loan quality, and staff development
• Manage daily operations of the underwriting department, providing scenarios, credit decisions, and recommendations for complex cases
• Oversee underwriters rendering lending decisions on Conventional, Portfolio, FHA, VA, and RD loans
• Provide oversight of the Consumer Lending Department, including lending operations, credit decisioning, policy adherence, workflow management, and staff development
• Ensure compliance with relevant banking laws, regulations, internal policies, and fair lending practices
• Maintain quality business relationships with investors, AMC/appraisers, settlement agents, and brokers
• Communicate policies, procedures, regulations, and investor overlays
• Participate in and develop training on industry- and bank-specific topics and procedures
• Directly supervise staff in the Retail Production and Consumer Lending departments
• Interview, hire, and train employees; plan, assign, and direct work; appraise performance; reward and discipline employees; address complaints and resolve problems
• Perform other duties as assigned, including work in other functional areas to cover absences or balance workloads

Skills

Mortgage Underwriting

Credit Decisioning

Leadership

Team Development

Analytical Thinking

Communication

Problem Solving

Regulatory Knowledge

Attention to Detail

Loan Origination Systems

Tools

Encompass

Loan Origination Systems

Microsoft Office

Job description

• Lead a team of underwriters and ensure sound credit decisioning, consistent application of bank policy and agency requirements, loan quality, and staff development
• Manage daily operations of the underwriting department, providing scenarios, credit decisions, and recommendations for complex cases
• Oversee underwriters rendering lending decisions on Conventional, Portfolio, FHA, VA, and RD loans
• Provide oversight of the Consumer Lending Department, including lending operations, credit decisioning, policy adherence, workflow management, and staff development
• Ensure compliance with relevant banking laws, regulations, internal policies, and fair lending practices
• Maintain quality business relationships with investors, AMC/appraisers, settlement agents, and brokers
• Communicate policies, procedures, regulations, and investor overlays
• Participate in and develop training on industry- and bank-specific topics and procedures
• Directly supervise staff in the Retail Production and Consumer Lending departments
• Interview, hire, and train employees; plan, assign, and direct work; appraise performance; reward and discipline employees; address complaints and resolve problems
• Perform other duties as assigned, including work in other functional areas to cover absences or balance workloads

Requirements

• Minimum of 7-10 years of experience in mortgage underwriting
• At least 3-5 years in a leadership or management role within a banking or financial institution
• Encompass experience preferred
• Excellent analytical, decision-making, and problem-solving skills
• Demonstrated ability to lead, motivate, and develop a team of professionals
• Exceptional communication (written and verbal) and interpersonal skills
• Proficiency in loan origination systems and Microsoft Office Suite
• Ability to work effectively in a fast-paced, deadline-driven environment
• Ability to obtain CNB Retail Loan Authority
• Knowledge of Camden National Bank Loan Policy, department procedures, mortgage products, loan documentation, compliance-related regulations, real estate industry terminology and practices, and loan structure
• Knowledge of relevant banking laws, regulations, internal policies, and fair lending practices

Core Competencies

Demonstrates extensive experience in mortgage underwriting and leadership within banking, ensuring compliance with regulations and effective team development. Proficient in loan origination systems and maintaining quality relationships with stakeholders.

Highest-signal resume keywords

• Mortgage Underwriting Experience
• Leadership in Banking
• Loan Origination Systems Proficiency
• Compliance Knowledge
• Analytical Decision-Making Skills

Hard Skills

• Mortgage Underwriting
• Credit Decisioning
• Loan Quality Management
• Loan Documentation
• Workflow Management
• Encompass Experience
• Real Estate Industry Terminology
• Compliance Regulations
• FHA, VA, RD Loans Knowledge
• Consumer Lending Operations

Soft Skills

• Team Leadership
• Communication Skills
• Problem-Solving Skills
• Interpersonal Skills
• Staff Development

Certifications & Qualifications

• CNB Retail Loan Authority

Industry Keywords

• Banking Regulations
• Fair Lending Practices
• Camden National Bank Loan Policy
• Consumer Lending
• Underwriting Department Management

Tools & Technologies

• Microsoft Office Suite
• Loan Origination Systems