Overview

To assist with planning, directing and managing the multi-function operations of the Mortgage Underwriting branch, to ensure compliance with applicable federal and state laws, rules, regulations, and NFCU policies and procedures. Ensure consistent risk analysis is applied to all first mortgage and equity loans to ensure complete, accurate loans are produced and document integrity is maintained. Evaluate and adjust branch work quality, staff performance, systems, processes and procedures to meet goals. Manage daily activities of professional employees and/or supervisors. Support senior management in developing and executing strategic plans. Act as Manager in the incumbent's absence.

Responsibilities

• Assist with developing branch strategy, establishing priorities and setting goals; evaluate and implement standards to ensure alignment with department/organizational objectives
• Assist with managing and directing operations to ensure targets, service level agreements and corporate objectives are met
• Monitor work environment and direct allocation of resources to ensure adequate staffing to meet production and member service standards
• Assist with conducting benchmarking and trend analysis to drive continuous improvement and elevate service performance, increase member experience quality, generate revenue, minimize financial risk, and maintain high operational efficiency
• Monitor daily production reports and staff work volume; adjust assignments to meet fluctuating workload
• Review and analyze reports and statistics summarizing status of operations to ensure timeliness and compliance of work produced
• Investigate escalated member inquiries/complaints and take appropriate action
• Provide guidance and direction to supervisors regarding strategic projects, complex member related matters and operational issues; authorize appropriate solutions to resolve issues
• Maintain thorough knowledge of and ensure compliance with applicable federal and state laws, rules, regulations and NFCU policies and procedures
• Monitor and analyze changes to applicable federal and state laws, rules and regulations; assist with developing action plans for implementation/dissemination and coordinating changes with affected branches/divisions
• Perform quality control audits to ensure compliance with applicable federal and state laws, rules, regulations, and NFCU policies and procedures
• Manage projects and initiatives to support production and process improvements to maximize automated systems usage within the branch
• Collaborate with other business units to analyze and improve procedures and resolve problems
• Ensure business unit awareness of NFCU products, services, policies and procedures
• Assist with developing and implementing change management solutions, by identifying and resolving operational and performance gaps and obstacles
• Develop and implement new/updated policies, procedures, goals and priorities for the branch as necessitated by demands, changing conditions, volume and/or management request
• Provide management with reports and comparative analyses; identify trends, and recommend changes
• Assist with overseeing training and development programs for staff; provide training to staff; assist with evaluating training programs to ascertain effectiveness
• Perform other duties as assigned

• Advanced knowledge of applicable federal and state laws, rules and regulations governing real estate underwriting and mortgages
• Advanced knowledge of first mortgage and equity loan products including fixed and adjustable rate programs, closed and open end loan programs, portfolio and agency products
• Advanced knowledge of financial industry trends, lending practices, products and services, technology, and regulations
• Significant progressively responsible experience leading and managing a mortgage underwriting operation, preferably in a large financial institution
• Advanced knowledge of data querying, reporting, forecasting, analysis and operations research, including statistical methods and modeling
• Significant experience in supervising, leading and mentoring employees on site, and in remote locations
• Significant experience in managing cross-functional, multi-dimensional teams and projects of the highest complexity which have business risk and impact
• Advanced analytical thinking skills to include summarizing information and clearly identifying key elements, patterns, results or relationships
• Advanced verbal and written communication skills
• Advanced database, word processing, spreadsheet, and presentation software skills
• Advanced research, analytical, and problem solving skills
• Advanced skill to influence, negotiate and persuade to reach agreeable exchange and positive outcomes
• Advanced organizational, planning, and time management skills
• Advanced skill building effective relationships through rapport, trust, diplomacy and tact
• Advanced skill using innovative and critical thinking to solve problems and facilitate the decision-making process
• Advanced skill developing and implementing programs in a leadership role
• Advanced skill in producing desired results and achieving goals and objectives
• Advanced skill presenting findings, conclusions, alternatives and information clearly and concisely
• Advanced skill interpreting, applying and explaining written and oral regulations, instructions, products and procedures
• Bachelor's degree in Business Administration, Finance, or a related field, or an equivalent combination of education, training, and experience

• Working knowledge of NFCU products, services, programs, policies and procedures
• Staff Appraisal Reviewer Certification
• Direct Endorsement Certification