Credit Union Underwriter Team Lead
Champions Funding LLC
Date: 3 weeks ago
City: Gilbert, AZ
Contract type: Full time
Remote
Description
- Lead, coach, and support a team of 8–10 Non-QM underwriters within the Credit Union channel.
- Ensure underwriting quality aligns with investor guidelines and internal credit policy.
- Provide daily guidance on loan structuring, documentation analysis, and risk management.
- Underwrite complex Non-QM loans including DSCR, bank statement, P&L, Foreign National, and ITIN programs.
- Serve as an escalation point for exceptions, borderline approvals, and policy clarifications.
- Monitor pipeline metrics and ensure SLA turn times are consistently met or exceeded.
- Partner with the CU Underwriting Manager to implement best practices and continuous improvement initiatives.
- Conduct peer reviews, spot audits, and support internal quality control efforts.
- Assist in onboarding and training new underwriters on systems, processes, and products.
- Collaborate with cross-functional teams such as account managers, processors, and secondary to ensure a smooth origination process.
- Stay current on industry trends, Non-QM product updates, and evolving compliance requirements.
- 4+ years of Non-QM mortgage underwriting experience with strong command of Non-QM loan products (DSCR, bank statement, P&L, Foreign National, ITIN).
- Demonstrated leadership ability or experience managing/mentoring underwriters.
- Strong manual underwriting skills and proficiency in complex income analysis.
- Working knowledge of CU lending dynamics or experience underwriting for credit union partners is a plus.
- Familiarity with LOS platforms such as Meridian Link, Lending QB, or similar systems.
- In-depth understanding of investor overlays, compliance regulations, and Non-QM market trends.
- Exceptional problem-solving and analytical skills with sound credit judgment.
- Excellent written and verbal communication abilities.
- Highly organized with a proven ability to manage competing priorities in a fast-paced environment.
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