Jet Home Loans is a part of the Dream Finders Homes family where we are committed to providing exceptional customer service while delivering beautifully innovative homes. We are one of the fastest growing public home building companies in the US. Come build your career with us!

The Underwriting Manager is responsible for managing teams of loan underwriters, leaders and pipeline.

• Facilitate an excellent working relationship with internal and external customers by developing and maintaining respect, communicating effectively, and providing excellent customer service.
• Maintain a high level of integrity, confidentiality, and trust.
• Effectively problem-solve using judgment based on knowledge of existing management policies and departmental practices and procedures.
• Meet established productivity, loan quality, and task management standards.
• Ensure confidentiality of client records.
• Demonstrate a commitment to the Company Culture.
• Respond to phone calls and emails within the same workday.
• Maintain 24/48 hour underwriting turn times.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Managing a loan underwriting team of up to 25 employees.
• Managing staff performance and productivity.
• Developing Underwriter Supervisors.
• Managing staff overtime requests.
• Ensuring loans approved by the assigned team are salable and conform to applicable investor/agency guidelines.
• Ensuring the work quality of the assigned team adheres to company policy and procedures.
• Ensuring loans within the assigned pipeline close on time.
• Ensuring assigned company Key Risk Indicator (KRI) and Key Performance Indicator (KPI) metrics are met.
• Reviewing and solving complex loan issues.
• Managing and resolving loan-level escalations.
• Attending and participating in daily pipeline calls/meetings.
• Assisting with recruiting and hiring of underwriting staff.
• Managing employee satisfaction and engagement.
• Managing external and internal customer satisfaction scores.
• Developing and cultivating great working relationships with sales, processing, underwriting, closing, secondary, and compliance teams and leaders.
• Developing and cultivating great working relationships with key home builder partners.
• Researching and responding promptly to internal Quality Assurance and Quality Control reviews.
• Assisting with new hire and process change training.
• Preparing and presenting reports to senior management
• Reporting material process and policy infractions/gaps to the Director of Operations.
• Underwriting Manager reports to the Director of Operations.

EXPERIENCE, SKILLS, KNOWLEDGE

• Primary Underwriting Decision maker with 5 years of leading teams of loan underwriters.
• 10 years Loan origination underwriting experience, preferably in new build business.
• Excellent working knowledge of Non-Conforming, FNMA, FHLMC, FHA, VA, and USDA guidelines. **Current FHA and VA Credit Designations are required**
• Deep knowledge of federal and state laws (e.g., TRID, TILA, ECOA, and HMDA).
• Sound technical skills with the aptitude to learn/navigate loan origination software and other technologies.
• Ability to write correspondence and effectively present information to employees and management.
• Ability to read and interpret various loan documents such as promissory notes, agency/investor directives, and other loan documents.
• Ability to define problems, collect data, establish facts, and provide information to resolve the situation.
• Ability to work well under pressure and meet multiple and sometimes competing deadlines.
• Ability to apply basic math; calculate figures and amounts such as discounts, interest, commissions, and percentages.
• Basic computer skills required: word processing, email, and mortgage software.

• 2-3 years of Ellie Mae Encompass Loan Origination System experience. Complete proficiency is required.
• A bachelor's degree or equivalent certificate.
• Proficiency in Microsoft Excel.
• DE LAPP SAR

PHYSICAL DEMANDS:

While performing the responsibilities of the job, the employee is required to talk and hear. Vision abilities required by the job are close vision. The employee is often required to sit and use their hands and fingers to handle, feel, and operate office equipment such as a computer, copier, and office supplies.

In addition, the employee is occasionally required to stand, walk, reach with their arms and hands, and to stoop, kneel or crouch. Reasonable accommodations can be made to enable employees with disabilities to perform the described essential functions of the job.

Note: This document describes the minimum, essential duties, responsibilities, skills, abilities, effort, and working conditions of the position. It in no way implies that these are the only functions to be performed by the incumbent. Workers are required to follow any other job-related instructions and to perform any job-related functions requested by a supervisor or manager. Successful performance requires that the incumbent possess and utilize the abilities and skills described. All functions are subject to reasonable modification to accommodate individuals with disabilities. Some functions may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or others.

Equal Opportunity Employer

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