Credit Union Underwriter Team Lead

Champions Funding LLC


Date: 1 day 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.

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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