Mortgage Underwriter

• Independently underwriting a wide range of mortgage loans, including FHA, VA, USDA, and conventional products, while ensuring compliance, risk assessment, and sound decision-making based on both AUS and manual analysis.
• Ensure all loan files meet HUD, FHA, investor, regulatory, and internal guidelines and overlays.
• Review and analyze credit, income, assets, and collateral documentation to determine loan eligibility; Inquire about any additional information needed to determine loan risk.
• Ensure that once all information is received it is accurate, it meets compliance standards, and it aligns with company policies.
• Communicate and document reasons for approval or rejection of loans so clients and loan officers are well-informed of decisions.
• Collaborate with internal operations team members, clients, and brokers to gather necessary documentation, clarify information, and ensure smooth processing of loan applications.

Compliance

• Lead the Compliance Department, overseeing compliance programs including BSA/AML and Fair Lending.
• Develop and implement company-wide compliance strategies, policies, and procedures.
• Represent company and liaison with regulators and external agencies; Ensure department timely delivery of audits, exams, consumer complaint responses, and compliance reporting.
• Interpret and provide guidance on mortgage lending regulations and agency guidelines (e.g., CFPB, HUD, VA, TILA, RESPA, TRID, QM/ATR, ECOA, MDA, GLBA, UDAAP, SAFE Act, Fannie Mae, Freddie Mac).
• Oversight of NMLS licensing, state regulatory requirements, examinations, and annual reporting obligations.
• Oversee audit process, monitoring, and ensure adequate testing of compliance procedure, disseminate corrective actions and monitor remediation.
• Establish SOPs and efficient processes to support organizational needs and provide excellent service to business units.
• Oversee loan reviews, identify trends, and report findings to Senior Management.
• Resolve escalations on complex compliance issues and collaborate across departments to implement timely solutions.
• Provide leadership and coaching to Compliance staff, ensuring clear performance standards and objectives.

Vice President of Compliance – Mortgage

Learning and Development

• Facilitate onboarding and training programs for Junior Account Executives and Account Executives in an onsite and virtual classroom environment
• Deliver engaging training sessions focused on mortgage systems, loan products, processes, workflows, compliance, and industry best practices
• Lead hands-on system training, walkthroughs, roleplays, exercises, and knowledge checks to reinforce learning and build confidence
• Provide one-on-one coaching and ongoing support to trainees throughout the onboarding and ramp-up process
• Partner closely with sales leadership and cross-functional teams to ensure training aligns with operational expectations and business needs
• Monitor trainee progress, participation, and performance, while providing feedback and recommendations to leadership
• Maintain training schedules, attendance records, and supporting documentation as needed
• Assist with new hire onboarding logistics, including training preparation, system access coordination, and classroom readiness
• Support continuous improvement efforts by identifying knowledge gaps, process challenges, and opportunities to enhance the training experience
• Stay current on mortgage industry updates, systems, products, and process changes to ensure training accuracy and effectiveness

EPM

Mortgage Underwriter

Vice President of Compliance – Mortgage

Mortgage Sales Training Specialist