FVP, Non-Agency Underwriting Operations

Job Title:

FVP Non-Agency Underwriting Operations

Location:

TX - Dallas/Irving

What youll do:

The FVP of Non-Agency Underwriting Operations is responsible for overseeing all aspects of Non-Agency underwriting operations both in-house and third-party reviews. This role ensures consistent application of credit policy regulatory compliance operational efficiency and high-quality customer service. The ideal candidate will have deep expertise in mortgage underwriting a strong understanding of risk management and a proven ability to lead high-performing teams in a dynamic environment.

Leadership & Strategy

• Lead and manage the residential mortgage underwriting team including managers underwriters and support staff.
• Develop and executeunderwriting strategies aligned with corporate goals and risk appetite.
• Serve as a key member of the mortgage leadership team contributing to broader business planning and decision-making of this product.
• Calibrate and train Non-Agency fulfilment and Third Party due diligence teams to AmeriHome guidelines
• Regular training to all underwriting lender/client staff on Non-Agency guidelines

Operational Excellence

• Oversee daily underwriting operations to ensure timely accurate and compliant loan decisions.
• Implement process improvements to enhance efficiency reduce cycle times and improve Lender/clients or borrower experience per channel.
• Monitor and manage underwriting pipelines SLAs and productivity metrics.
• Collaborate with Operations Sales Capital Markets Quality Control and Corporate Governance leadership towards Non-Agency product and process success.

Risk & Compliance

• Ensure adherence to internal credit policies Credit Manuals GSEs and private investor guidelines and regulatory requirements.
• Partner with Compliance and Risk teams to proactively identify and mitigate underwriting risks.
• Assist as required in internal and external audit preparation and response efforts.
• Ensure all underwriting procedures are updated
  Talent Development
• Recruit train and mentor underwriting staff to build a culture of excellence accountability and continuous learning.
• Conduct performance reviews and provide coaching to support career growth development.
  Technology & Innovation
• Collaborate with IT and digital teams to evaluate and implement underwriting technology solutions including automation and AI tools.
• Stay current on industry trends and innovations to maintain a competitive edge.

What youll need:

• 8 years of related experience in Residential Mortgage Loan Underwriting or similar field.
• High school diploma required; Bachelors degree or equivalent experience preferred.
• Previous leadership experience required.
• Advanced knowledge of residential mortgage industry in Correspondent or Retail Lending including sales operations capital markets and/or other residential mortgage products and services.
• Advanced knowledge of applicable regulatory and legal compliance obligations rules and regulations industry standards and practices.
• Advanced In-depth knowledge of mortgage loan products lending principles and regulatory compliance. Extensive understanding of mortgage lending principles and underwriting guidelines including FHA VA and conventional loans loan processing and automated underwriting systems. Working knowledge of mortgage lending principles and underwriting guidelines including self-employed borrowers partnership corporation tax return analysis Appraisal Reviews condo project reviews Trust Leasehold and Power of Attorney documentation.
• Advanced experience in understanding and knowledge of technology that supports mortgage banking Encompass (LOS) and core systems and MS Office products.
• Advanced speaking and writing communication skills.
• DE or SAR certifications required.

Benefits youll love:

We offer all the important things youd want like competitive salaries an ownership stake in the company medical and dental insurance time off a great 401k matching program tuition assistance program an employee volunteer program and a wellness addition youll have the opportunity to bolster your business knowledge learning the ins and outs of how successful companies operate and manage their finances giving you invaluable hands-on experience to help grow your career!

About the company:

AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bank Member FDIC is a wholly owned subsidiary of Western Alliance Bancorporation. Serving clients nationwide Western Alliance Bank includes six legacy bank brands Alliance Association Bank Alliance Bank of Arizona Bank of Nevada Bridge Bank First Independent Bank and Torrey Pines Bank that remain part of the companys heritage.

Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race sex color religion age nation origin marital status disability protected veteran status sexual orientation gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying please email or call . When contacting us please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process.

Western Alliance Bancorporation