AmeriHome Mortgage Company, LLC

Underwriter

• Management of offshore underwriting resources
• Comprehensive review of income, credit, liabilities, and assets to ensure accuracy, consistency, and adherence to agency and company guidelines
• Ensure high quality underwriting production and alignment with AmeriHome/Western Alliance Bank policies and service expectations
• Hands-on management, prioritizing assignments, and ability to work with a large team of staff members
• Understand and adhere to the Bank's policies and procedures, and all laws, rules, regulatory and compliance regulations
• Manage underwriters to ensure mortgage loans are underwritten following proper guidelines
• Ensure team members are fully trained and current on company’s philosophy and policies/procedures
• Manage and review day-to-day tasks escalated by team
• Conduct underwriting review process to minimize the company's risk while employing problem resolution techniques in approving loans
• Train, coach and supervise all underwriters to the application of all company overlays and agency requirements
• Evaluate the structure of the Underwriting team and plan for continuous improvement in efficiency and effectiveness
• Develop and maintain a strong working relationship with other departments
• Lead and develop a team: responsible for hiring, coaching, performance management, training and development

Underwriting Supervisor

• responsible for the leadership and management of a team of underwriters to achieve the Company’s production and quality goals
• manage the day-to-day as a hands on manager, prioritizing of assignments, and the ability to work with a large team of staff members
• understand the Bank's policies and procedures, and adhere to all laws, rules, regulatory and compliance regulations
• manage underwriters to ensure mortgage loans are underwritten following proper guidelines
• ensure team members are fully trained and current on company’s philosophy and policies/procedures
• manage and review day-to-day tasks escalated by team
• conduct underwriting review process in a manner designed to minimize the company's risk while employing problem resolution techniques in approving loans
• train, coach and supervise all underwriters to the application of all company overlays and agency requirements
• evaluate the structure of the Underwriting team and plan for continuous improvement in efficiency and effectiveness
• develop and maintain a strong working relationship with other departments
• lead and develop a team: responsible for hiring, coaching, performance management, training and development

VP, Non-Delegated Underwriting

Graphics Designer

• Design, create, and manage graphics for omni-channel marketing
• Track and execute all routine marketing updates on company and partner websites
• Produce graphics and optimize company branding and campaigns
• Build a strong foundation of knowledge and skills in mortgage marketing
• Create sales and marketing collateral
• Develop routines to maintain a fresh look for collateral inventory
• Collaborate with team members to execute design projects from conception to completion

Junior Graphic Designer

Compliance

• support the Director to advocate for borrowers across all lines of business
• responsible for timely and accurate review of complaints
• auditing monthly complaint quality, sub-servicer functions, and internal complaint operations
• evaluate complaint documentation and records for adherence to and compliance with procedures and applicable regulatory requirements
• conduct quality control reviews of internal complaint operations’ primary processes
• reviews and audits consumer complaints received and responded to by servicers or internal AmeriHome departments
• identify discrepancies and opportunities for process improvement through root cause analysis of complaints and analysis of audit findings, management reports, and discussions with servicers
• alert appropriate management levels and internal departments to problems identified during routine quality reviews
• prepare and submit various weekly and monthly reports for management review
• compile and categorize data used for monthly operational metrics
• prepare audit findings reports for use internally as well as to communicate any findings
• create effective quality control and auditing policies and procedures as needed
• evaluate complaint remediation performance using a variety of tools such as scorecards, servicer management reports, and findings trend analysis
• supports the department to ensures that borrower escalations/complaints are handled within corporate and regulatory guidelines.

Quality and Compliance Manager

• Oversee daily underwriting operations, including pipeline management and escalations
• Work with cross-functional teams (sales/originations, processing) to support underwriting decisions and improve processes
• Mentor underwriter team and contribute to training performance
• Responsible for overseeing a team of quality control Underwriters that perform quality checks and reviews to ensure loans purchased are of high quality and meet the Bank's standards and guidelines
• Quality reviews include re-underwriting of loans to validate income, debts, loan to value and other key data elements
• Oversee and manage third party vendors that perform underwriting and compliance reviews, to ensure good work quality and timelines are met
• Manage pipelines to deliver on established SLA's, and exceed customer expectations
• Review and approve exception requests and scenarios, decision will be based on strong compensating factors
• Ensure responses are timely
• Review and approve customized guidelines submitted by customers
• Perform market analysis and comparisons
• Present recommendations to senior managers and sales team
• Provide process improvement recommendations that will streamline our processes and improve the customer experience

Underwriting Team Lead

Manager

• responsible for negotiating trade contracts and managing the day-to-day of multiple Secondary Market transactions including the corresponding investor relationship.
• responsible for primary relationship management with investors, establish timelines for due diligence review and settlement deliverables.
• Negotiate non-disclosure agreements, trade confirmations, purchase confirmations, and purchase and sale agreements related to whole loan sales and mortgage servicing rights sales transactions.
• Coordinate the execution of bailee letters and the shipment of collateral files to the investors’ custodians, while ensuring all necessary releases from interested parties are obtained.
• Monitor due diligence process to ensure timely follow up with internal & external business partners for resolution of data and collateral defects preventing the sale of the loans.
• Ensure all data delivered to the investor is accurate and complete while all loans meet the trade parameters.
• Identify and confirm the final funding population with investors and facilitate the settlement process including the repricing of the trade, preparation of closing documentation, reviewing the funding schedule for accuracy, compiling mortgage loan schedule data, and communicating settlement funds to warehouse lenders and to the treasury department.
• Coordinate and monitor the servicing transfer process between the investors and the servicing department as well as ensure any issues that arise are addressed and resolved timely for all released transactions.
• May lead and develop a team; responsible for hiring, coaching, performance management, training and development.

Senior Transaction Manager

Director

• responsible for all trade contracts including MLPAs, Bailee Agreements, non-disclosure agreements, purchase and sale agreements
• lead the Transaction Management team that processes loan sales to third party investors
• negotiate trade transaction for capital market transactions, including contracts, trade confirmations as well as other transaction items
• work with investors and various internal groups to ensure all contracts are completed accurately
• lead contract negotiations for all capital market transactions
• act as liaison between investors and internal business stakeholders such as traders, legal counsel, quality control, accounting, treasury and servicing departments
• work closely with the Trading Desk to address any issues with mortgage loan allocations and trades to ensure prompt resolution of issues and timely settlements
• responsible for primary relationship management with investors; establish timelines for due diligence review and settlement deliverables
• manage a team of Transaction Managers responsible for executing and completing the teams’ daily responsibilities and trade settlements
• negotiate non-disclosure agreements, trade confirmations, purchase confirmations, and purchase and sale agreements related to whole loan sales and mortgage servicing rights sales transactions
• coordinate the execution of bailee letters and the shipment of collateral files to the investors’ custodians, while ensuring all necessary releases from interested parties are obtained
• monitor due diligence process to ensure timely follow up with internal & external business partners for resolution of data and collateral defects preventing the sale of the loans as well as ensure all data delivered to the investor is accurate and complete while all loans meet the trade parameters
• review and approve final funding population with investors and facilitate the settlement process including the repricing of the trade, execution of closing documentation, reviewing the funding schedule for accuracy, compiling mortgage loan schedule data, and communicating settlement funds to warehouse lenders and to the treasury department
• coordinate and monitor the servicing transfer process between the investors and the servicing department as well as ensure any issues that arise are addressed and resolved timely
• prepare/review monthly management report
• lead and develop a team: responsible for hiring, coaching, performance management, training and development

Senior Vice President, Director of Transaction Management

• Under the direction of the Executive Vice President, National Credit Operations, this position is responsible for the management, oversight, and development of compliance operations for the correspondent delegated, non-delegated and retail lending channels.
• Drive departmental productivity, quality, efficiency, and customer service across multiple channels.
• Act as a subject matter expert on compliance related mortgage activities including but not limited to TRID, ECOA, HMDA, ATR, and fair lending laws.
• Optimize processes and procedures for compliance operations in Retail and Correspondent lending.
• Develop industry leading capacity metrics and reporting for all compliance roles.
• Develop and prioritize related technology and system requirements.
• Maintain staffing and organizational design as needed.
• Work with Western Alliance Bank Compliance to clarify roles, responsibilities, and related audit/QC routines.
• Develop and maintain compliance policies and procedures that align with the Western Alliance Bank Enterprise Risk Management framework and regulatory requirements.
• Maintain first line of defense compliance controls and Risk Control Self Assessments (RCSA).
• Monitor operational compliance with regulatory requirements.
• Mentor and train current compliance staff for future growth via AmeriHome Career Pathing.