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: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!
