Job Title:              Underwriting Team LeadDepartment:        OperationsReports To:          VP of Operations/VP of UnderwritingFLSA Status:       Non-ExemptManagement:      NoSalary Range:     $105,000 - $115,000/yrPRIMARY FUNCTIONS: The Underwriting Team Lead will work with our Retail and Wholesale team to ensure mortgage loan applications meet program/product specification. Oversight includes a team of 10+ Underwriter, including Junior and Senior positions.ESSENTIAL DUTIES AND RESPONSIBILITIES:Oversight of Underwriting pipelineAnalysis of submitted files for repayment capacity, capital, character, collateral, and property condition while adhering to Home Xpress credit policiesCommunicate decisions to appropriate individualsCommunicate changes in deadlines, schedules, etc. to all required partiesLead all aspects of team development, including recruiting, interviewing, hiring, onboarding, and ongoing training of underwriting staffConduct candidate interviews to assess technical expertise, decision-making ability, and cultural alignmentDevelop and deliver training programs, job aids, and reference materials to reinforce underwriting guidelines and best practicesProvide ongoing coaching, performance management, and skill development to drive accountability and resultsEnsure alignment between training, credit policy, quality control findings, and compliance requirementsIdentify and address skill gaps through targeted development plans and calibration sessionsDrive continuous improvement through training, process optimization, and adoption of technology and automation initiativesDESIRED PERSONAL CHARACTERISTICS:Detail oriented and committed to the highest qualitySelf-Starter with positive Can-Do attitudeWorks well under pressure and relishes the responsibility that comes with the jobProblem solving and analysisDecision makingResults drivenCommunication proficiencyAn open-minded individual that embraces change and innovationJOB REQUIREMENTS:EDUCATION:Bachelor’s Degree in Business, Finance, or related field preferredEXPERIENCE:10+ years of experience in mortgage underwritingComputer proficient in Excel, Word, Outlook, and various LOSDemonstrate strong history of good time management skills, decision making ability, and attention to detail.Ability to communicate issues between several audiences proficientlyAchieves and exceeds work goals for productivity, quality, and turnaround time by prioritizing workflow and managing pipelinePHYSICAL REQUIREMENTS:This position is in an office setting with computer and general office equipment. The position requires the ability to move freely around within the department and other department locations.  
