Regional Underwriting Manager (Pulte Mortgage)

JOB SUMMARY:
Primarily responsible for managing the day-to-day workflow of underwriting support for a Region by providing guidance for a team of Underwriters and Sr. Underwriters, monitoring underwritten loans for consistency, accuracy and timeliness.
PRIMARY RESPONSIBILITIES

• Manage, coach, and training Underwriters and Sr. Underwriters in the integrity of the data inputted into the Loan Origination System (LOS) and all associated Automated Underwriting systems (AUS). Manage and maintain consistency of the Underwriting philosophy, as well as managing the quality and timeliness/production of the Underwriting staff to ensure that Underwriting decisions are occurring in required timeframes

• Respond to escalated questions and track trends of escalations for training, systems, or process improvement. Work with Underwriters and other company management on rejected and problem loans to find ways to improve the loan to meet qualifying conditions or suggesting alternatives to obtain loan approval. Propose and lead teams to address credit risk procedural changes.

• Assist with development of SOPs and Training materials in line with credit risk training for Underwriters and production personnel.

• Responsible for credit quality and ensuring that underwriting philosophy and credit policies are adhered to.

• Communication and training of underwriting and product changes to entire Operations department.

• Participation in projects to change processes and systems.

• Motivate and manage the performance of underwriters.

MANAGEMENT RESPONSIBILITIES

With Direct Reports

• Ensures appropriate staffing to meet department needs

• Utilizes recruiting and selection tools/processes to build organizational talent

• Delegates work according to employee’s abilities and skills

• Evaluates employee’s performance and plans for compensation actions in accordance with that performance

• Provides developmental opportunities through identification of internal and external training opportunities

• Creates opportunities for employee growth

• Provides continuous coaching with regard to functional and leadership standards (technical skills and behaviors)

SCOPE:

• Contributes through guiding others at the Area level.

• Coordinates and directs business partners.

• No supervisory responsibility.

REQUIRED EDUCATION

Minimum High School diploma or equivalent. Bachelor’s degree preferred.

REQUIRED EXPERIENCE

• Related Functional Experience: Minimum of 3-5 years

• Time in position: Minimum of 3-5 years of senior level underwriting experience and at least 1 year of management background.

• Experience working in customer-focused environment.

• Excellent communication, leadership, negotiation and interpersonal skills with demonstrated ability to speak effectively in public and deliver clear, consistent messages.

• Experience training and mentoring.

• Knowledge of department standard operating procedures and mortgage lending standards, which would include Fair Lending practices, and federal and state laws regulating mortgage origination.

• Must be proficient with MS Office.

Salary Range: $105,000 to $125,000 annually depending upon experience.

This position is also eligible for an annual bonus based on the successful completion of defined performance objectives.

In addition to up to 9 paid company holidays per year, employees are eligible for up to 6 days of sick pay. Moreover, eligible employees with less than 10 years of service can accrue up to 17 PTO days per year (and up to 22 PTO days per year upon 10 or more years of service). Employees are eligible to participate in the Company’s 401(k) Plan. Employees (and their eligible dependents) are eligible for medical, dental, and vision insurance coverage. Employees are covered by company-paid disability, basic life insurance and parental leave. Voluntary insurance coverage options, including critical illness, accident, and hospital indemnity, are also available. In addition, the Company offers an Employee Assistance Program and tuition reimbursement (as applicable). Employees may also be eligible for state required benefits such as paid family and medical leave insurance and/or paid sick time as applicable.

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PulteGroup, Inc. and its affiliates do not accept unsolicited resumes from individual recruiters or third party recruiting agencies (collectively, “Recruiters”) in response to job postings. If Recruiters nevertheless submit one or more unsolicited resumes to any employee at PulteGroup, Inc. or its affiliates without a valid written agreement in place for this position, it will be deemed the sole property of PulteGroup, Inc. and its affiliates. No fee will be owing or paid to Recruiters who submit unsolicited candidates, in the event the candidate is hired by PulteGroup, Inc. or its affiliates as a result of the referral, without a written agreement between PulteGroup, Inc. and through any means other than via our Applicant Tracking System.

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law. We will provide a reasonable accommodation to a qualified applicant with a disability that will enable the individual to have an equal opportunity to participate in the application process and to be considered for a job.

All employees must be committed to fair and nondiscriminatory lending, in conformity with the Equal Credit Opportunity and Fair Housing acts, and to compliance with all applicable laws, regulations and company policies.  Employees must act responsibly in their efforts to provide financial services to Pulte customers and to provide support to Pulte's core purposes.

All offers of employment are contingent upon clear results of a comprehensive pre-hire background check including credit, criminal, education and employment.

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