Director of Mortgage Fulfillment

Global Credit Union • Glendale, AZ

4d • Onsite

About The Position

Responsible for the development of credit policy, quality loan decisions, and performance requirements of underwriting and production support staff. This role oversees all mortgage underwriting and production support functions, including training, development, supervision, and performance evaluations. The Director also supervises mortgage credit policy staff, manages workflow related to product development, credit policy communications, and product training. They collaborate with managers and executives to develop and implement credit policies and underwriting guidelines, underwrite mortgage loans as needed, and ensure staff compliance with investor and agency requirements. The position acts as a resource for policy changes and works with the compliance team to ensure regulatory adherence. A current knowledge of real estate and mortgage lending laws and regulations is essential. Other duties as assigned.

Requirements

• Bachelor's degree in business administration or management with advanced industry courses in real estate lending including knowledge of all applicable laws and regulations.
• At least five years management/supervisory experience.
• At least five years experience in underwriting.
• At least ten years of relevant experience.
• Must have five years experience in mortgage underwriting including conventional, FHA, VA, RD and/or specialty program underwriting.
• Must be familiar with all investor guidelines.

Nice To Haves

• Advanced industry courses in real estate lending recommended.
• Prefer an active DE CHUMS and SAR number.
• Demonstrated ability to train staff.
• Working experience with DU, LP and GUS underwriting systems preferred.

Responsibilities

• Oversee all mortgage underwriting functions.
• Train, develop, supervise, and conduct performance evaluations and other personnel actions for all subordinates.
• Oversee all mortgage production support functions.
• Train, develop, supervise, and conduct performance evaluations and other personnel actions for all subordinates.
• Supervise mortgage credit policy staff and manage daily workflow related to product development, credit policy communications, and product training.
• Work with Mortgage and Real Estate managers and executives to develop and implement credit policies and portfolio loan underwriting guidelines.
• Underwrite mortgage loans for executive employee loans, as needed, in compliance with established policies and requirements; serve as a delegated or direct-endorsement underwriter and SAR appraisal reviewer within the requirements established by the investor, insurer or guarantor.
• Work closely with Mortgage Operations and Global Credit Union Home Loans management to insure staff is aware of and following all established program and policy requirements of each investor and/or agency and insurer.
• Act as a resource to both underwriting and production staff and provide information regarding changes to investor and/or guarantor policies and procedures.
• Work closely with the Mortgage and RE Lending Compliance team to ensure all Global Credit Union mortgage credit policies meet current regulatory compliance requirements.
• Maintain a current knowledge of existing laws, statutes, regulations, ordinances, policies and procedures pertaining to real estate and mortgage lending.
• Perform other duties as assigned.

Benefits

• Short-term and long-term incentives
• Comprehensive medical, dental and vision insurance plan that has HSA and FSA options
• 401(k) plan with a 5% match
• Employee Assistance Program (EAP)
• Life and disability coverage
• Voluntary cash benefits for accident, hospitalization and critical illness
• Tuition Reimbursement
• Generous leave programs to include Paid Time Off accrual, Paid Sick Leave, Paid Holidays

What This Job Offers

• Job Type: Full-time
• Career Level: Manager