Mortgage Underwriting Manager; BR 10 - Mtg Ops; 8.11.25

Description

Position Summary

The Mortgage Underwriting Manager is responsible for leading the underwriting team within Texana Bank's Mortgage Division. This role ensures consistent adherence to regulatory guidelines, investor requirements, and internal credit policy. The manager will oversee underwriting operations, maintain quality control, and serve as a liaison between originations, processing, and risk management teams. Strong leadership and technical expertise are essential to the role.

Requirements

Key Responsibilities

• Supervise and mentor mortgage underwriters and support staff, providing training, coaching, and performance management.
• Ensure accurate and timely underwriting decisions on all mortgage products, including conventional, FHA, VA, and USDA.
• Maintain consistent application of underwriting guidelines and evaluate exceptions to policy in consultation with the SVP of Mortgage Risk Officer.
• Review complex loan files and escalate decisions appropriately.
• Collaborate with secondary marketing and compliance teams to align underwriting decisions with investor and regulatory standards.
• Support strategic risk management initiatives and quality control audits.
• Monitor team productivity and file turnaround times, implementing improvements where needed.
• Resolve escalated underwriting issues from processing or sales teams.
• Maintain current knowledge of industry regulations (e.g., FNMA, FHLMC, CFPB) and communicate changes to internal teams.

Required Qualifications:

• Minimum of 5–7 years in mortgage underwriting, with at least 2 years in a leadership or supervisory role.
• Direct experience underwriting multiple loan types (conventional, FHA, VA, USDA).
• DE (Direct Endorsement) and SAR (Staff Appraisal Reviewer) designations preferred.
• In-depth knowledge of lending guidelines, credit risk assessment, and AUS systems (DU, LP).
• Strong organizational and communication skills with proven leadership capabilities.
• Working knowledge of mortgage-related compliance regulations and investor requirements.
• Ability to manage multiple priorities in a fast-paced environment.