Team Leader III - Chelmsford - USALLIANCE Financial

Description

Real Estate Lending Mortgage & Heloc Underwriting Manager

At USALLIANCE, we pride ourselves on innovation, teamwork, training and development and career planning. As part of our team, you will have the opportunity to grow both personally and professionally in an inclusive and supportive environment. Represent USALLIANCE in the community and form lasting relationships with our members and partners.

About This Role

This position is responsible for the oversight of the workflow and underwriting of the Real Estate Lending Mortgage & HELOC underwriting group, including contribution to the development of the processes, policies, and procedures of the department. Assists RE Lending Underwriting Manager with the onboarding of new employees and assist in the development and delivery of continuous training to the Underwriting group. Handles various reports to ensure proper dissemination of incoming files, compliance, and general pipeline management.

Key Responsibilities

• Oversee day to day operations of the RE Lending Underwriting with direct supervision of the team members in conjunction with the RE Lending Underwriting Manager.
• Provide support and direction to team members on the proper handling of, 1st lien, HELOC and HELOAN applications.
• Actively monitor the loan pipeline to ensure compliance and member service standards are met.
• Collaborate with RE Lending leadership team to develop strategies to accomplish departmental lending goals and individual underwriting incentive goals.
• Collect information and provide feedback and support for the development of or improvement to established RE Lending programs, processes, policies, and procedures.
• Monitor trends relating to the Underwriting area and make recommendations or implement changes to improve productivity, efficiency, or quality of workflow.
• Maintain knowledge of all products and services offered by the RE Lending department.
• Train, onboard, and evaluate Underwriting team members.
• Handle member service calls requiring escalation.
• Adhere to all established policies and procedures of USALLIANCE Financial and maintain compliance with all applicable regulatory requirements and ensure direct reports.
• Perform and track monthly QC review samples for underwriting team members based on % of closed loans.

Who You Are

• 5+ years of mortgage underwriting experience.
• Proficient in all applicable laws and regulations related to Mortgage Lending. Including but not limited to ECOA, TRID, TILA RESPA and Fair Lending.
• Encompass experience is preferred.
• Must demonstrate interpersonal, organizational, and communication skills (verbal & written). Along with strong leadership skills.
• The candidate should be detail oriented with the ability to work in a fast-paced environment.
• Proficient in MS Office.
• Organizational and time management skills.
• Strong commitment to providing excellent member service and be solution oriented when addressing member inquiries and escalations.
• Adhere to all local, state, and federal laws/regulatory requirements as related to functional areas including the Patriot Act, Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act.
• Adhere to all policies and procedures, including security compliance, and following guidelines intended to limit risk exposure to fraud and losses. Review exceptions and escalate when necessary.

What We Offer

• Competitive salary and benefits package
• Opportunities for professional development and career growth
• Hybrid schedule (min 3 days in office to maximize collaboration)
• A collaborative and inclusive work environment
• Paid Time Off, Wellness Time & Paid Federal holidays
• 401K with 6% match
• High performance culture

Become a part of a team where your ideas are valued, your growth is supported, and your work makes a difference. Apply today and take the next step in your career with USALLIANCE.

EQUAL OPPORTUNITY EMPLOYER

USALLIANCE Federal Credit Union, as an Equal Opportunity Employer, values and supports the diverse cultures, perspectives, skills, and experiences within our workforce.

This job description is for informational purposes only and should not be construed as a complete listing of the job responsibilities and requirements. This job description may be modified at any time, for any reason, at the sole discretion of management.

At this time, USAlliance Federal Credit Union will not sponsor a new applicant for employment authorization or offer any immigration related support for this position (i.e., H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, or another type of work authorization). If you need sponsorship now or in the future, look for this statement in the job description before you apply: "USAlliance Federal Credit Union will consider sponsoring a new, qualified applicant for employment authorization for this position". If this is not listed in the job description, USAlliance Federal Credit Union will not provide sponsorship for the candidate to work in the United States.

It is unlawful for USAlliance to require or administer a lie detector test as a condition of employment or continued employment. In accordance with applicable state laws, an employer who violates this law shall be subject to criminal penalties and civil liability.

In the spirit of pay transparency, we are excited to share the base salary range for this position is $73, $94,324.18, exclusive of fringe benefits or potential incentives. This position is also eligible for an annual corporate bonus. If you are hired at USALLIANCE Federal Credit Union, your final base salary compensation will be determined based on factors such as skills, education, and/or experience. In addition to those factors, we believe in the importance of pay equity and consider the internal equity of our current team members as a part is any final offer. Please keep in mind that the range mentioned above is the full base salary for the role. Hiring at the maximum of the range would not be typical to allow for future and continued salary growth. We also offer a generous compensation and benefits package.

All positions must adhere to standard BSA/AML policies, procedures, and processes. Employees must demonstrate awareness of business functions and how business decisions affect financial and/or non-financial work results.