Home Loan Underwriting Manager

We know what you're thinking. "What kind of name is IncredibleBank?"

Well, we're glad you asked.

With a name like IncredibleBank, we have a lot to live up to. Our name is a promise we make every day to our customers and to our team members (and hey, that could be you!). A promise that we strive to be incredible in everything we do. A promise that will help our customers, fellow team members, and our communities to do the incredible.

At IncredibleBank, we're all about ICE. What's ICE? ICE stands for Incredible Customer ExperienceTM (that's right - an experience so good and so important we trademarked it). ICE illustrates the core values that drive everything we do - how we conduct business, how we treat each other, and how we continuously strive to build on our model of customer-focused banking. Our core values have been in place for more than 50 years and continue to influence every aspect of our operation today.

So - how can you help us live up to our name?

About the Role

We are eager to discuss the prospect of you joining our team as our next incredible team member!

This position reports to the SVP Senior Credit Officer and allows you to partner with other team members and key stakeholders to provide Incredible Customer Experiences of your own! Duties and responsibilities may include:

• This role is a hands-on manager who can do, as well as, lead. This position is responsible for underwriting home loans while serving as a subject matter expert in all areas of underwriting.
• Daily processing of home loan applications for refinance and purchase transactions for conventional loans such as Fannie, Freddie, vacant land, HELOC, Home Equity loans, renewals, construction, and government loans such as Rural Development, FHA, VA, and WHEDA.
• Reviews residential loan application file from Home Lenders to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment.
• Establishes conditions under what criteria we will extend credit to an applicant.
• Ensures quality in underwriting file, maintains investor standards for compliance to policies and guidelines.
• Manages the activities of the Home Loan Underwriting team, providing guidance on technical matters and promoting teamwork and cooperation.
• Motivates and leads a high-performance team for designated areas; to include recruiting, retaining, and developing the team.
• Will meet routinely with cross-functional departments to actively manage the loan volume pipeline and maintain the proper underwriting staff demands.
• Understands the Bank's strategic vision and links department performance to the goals of the organization. Aims to expand the Home Lending portfolio and provides input on strategic decisions that affect the functional areas of Home Lending in alignment with the company's strategic and financial targets.

This is a regular full-time salaried exempt position, averaging approximately 40 hours/week. Schedule may vary between the hours of 8:00 am to 5:30 pm CST Monday through Friday.

This position is remote eligible. Individuals may choose to work from a designated home office space if desired.

About You

You do what is right over what is easy. You don’t settle for good enough. You’re driven to learn and grow. You recognize your impact on the customer experience, regardless of your role.

Those attributes are just a few things our incredible employees have in common.

And, if you are looking for an opportunity to lead a dynamic team, we’d be so excited to learn a little more about you and your interest in joining the team! Our recommended and preferred qualifications are:

• Bachelor's degree and a minimum of 10 years related underwriting experience and/or training, to include a minimum of 7 years of experience underwriting secondary market products; or equivalent combination of education and experience.
• 3 years of management and/or supervisory experience desired.
• Prior experience utilizing loan operating systems required.
• Certification from FHLB, FNMA, State VA, Rural Development and FHLMC. Direct Endorsement (DE) designation and VA LAPP preferred.
• Technical expertise. Decision making skills. Conceptual thinking skills. Problem-solving skills. Ability to develop and mentor others. Planning skills.
• Analytical thinking skills. Interpersonal skills. Customer/client orientation. Leadership skills.

About Our Benefits and Compensation

Our promise of ICE extends to our employees as well. Our employees are our greatest asset, and we strive to show our appreciation by offering top-tier benefits and, dare we say, more than competitive compensation that we’re willing to discuss up front.

And we are constantly evaluating and improving our benefits. In fact, eligible employees receive over 30 days off per calendar year! That includes 18 days of PTO to begin, PLUS an Anniversary Holiday, Birthday Holiday, Wellness Holiday, and 12 observed Bank Holidays.

Check out our total rewards package at: https://incrediblebank.mybenefitsapp.com/

About the Company

IncredibleBank first started in 1967 as River Valley Bank with a single location in Rothschild, WI. And we may have strong roots in community banking, but IncredibleBank wasn’t awarded as one of America’s Most Innovative Banks by the Independent Community Bankers of America for our popcorn Fridays. Though we do love free popcorn...

We strive to stay on the leading edge of banking technology with the goal providing the best, simplest way for our customers across the country to do their banking. But if our customers need us, they can pick up the phone and talk to a real person. And that’s what makes us America’s first national online community bank. And who doesn’t love the idea of a national community?

Today, IncredibleBank is a $1.9 billion-asset institution that has grown to 16 brick-and-mortar locations with customers in all 50 states. But we know that as an employer, it’s less about size than it is about culture. That’s why we’re especially proud to have been certified as a Great Place to Work.

Learn more about our Great Place to Work engagement results here: https://www.greatplacetowork.com/certified-company/7022621