Asst Mgr, Mortgage Underwriting

Space Coast Credit Union (SCCU), the 3rd largest credit union in Florida, is looking for a Full Time Assistant Manager, Mortgage Underwriting to join our ONESCCU team in our Miramar Operations Center! SCCU has been in business for over 70 years, has over 9 billion dollars in assets and WE ARE GROWING!

Our Members are our top priority and we stand behind our Brand Promise: Honest People, Trusted Products, Time Valued. We offer a rich benefits package and career advancement opportunities.

SCCU Team Member Benefits

• ONESCCU annual bonus available
• Work From Home Hybrid schedule available – Work from home up to 3 days a week!
• Medical, Dental & Vision Insurance
• HSA (Health Savings Account) with SCCU matching contribution
• SCCU Paid Long Term and Short Term Disability coverage
• SCCU Paid Term Life Insurance
• Employee Assistance Program (EAP)
• Paid Time Off
• 401(K) Pre-Tax Savings Plan with SCCU match- 100% of the first 5% of employee contributions
• Tuition Reimbursement Program
  
  
  

SCCU Team Member financial discounts & perks (save money every month!):

• Loan Discounts - Mortgage, 2nd Mortgage, Auto, Motorcycle, Boat etc. / GAP coverage at half price
• Fixed low rate credit card- 5.99%, if approved
• FREE Identify Theft Protection!
• No fee SCCU accounts
  
  
  

Salary Range

$46.06 - $49.07 depending on prior experience in a similar role

Purpose

Under the supervision of the Mortgage Underwriting Manager, leads a team of Mortgage Underwriters to meet/ exceed established service levels. Assist with leading the day-to-day functions of the Mortgage Underwriting Department according to department standards and performance goals. Ensures all contacts are provided friendly, timely, accurate information, and recognize problem resolution opportunities. Performs the duties and responsibilities of the Mortgage Underwriting Manager in the Manager’s absence.

Responsibilities

• Assists in overseeing the daily operations of the Mortgage Underwriting team to ensure that service levels are set appropriately and met consistently, system workflows are efficient and effective, and ensures direct reports remain current with all necessary regulation training and adherence.
• Conduct initial onboarding for all new Underwriters ensuring completion of ongoing training to ensure continued effectiveness, outstanding service, and compliance.
• Develops, improves, and maintains the audit performance measurement process ensuring that the primary duties of each Underwriter are measured and managed.
• Ensures compliance with SCCU procedures and policies, including all applicable governmental regulations, to ensure accuracy, file integrity, and compliance.
• Coordinates with IT and other relevant departments and vendors to ensure the integrity and functionality of all systems and platforms.
• Assists in setting productivity and service level goals for the department. Directs the performance of the staff through effective coaching, training and performance appraisals to achieve established goals and service levels. Gather and provide effective performance feedback to team members.
• Prepares accurate and timely periodic and ad-hoc reporting for Management and Leadership.
• Understands the key requirements and assists with the preparation for regulatory examinations, internal audits, and completion or periodic risk assessments from external entities such as auditors, examiners, and regulators to ensure procedures are implemented and maintained to meet these requirements.
• Assists in executing department projects and ensures that all projects are completed with appropriate prioritization, implementation, and education. Meets deadlines with minimal follow-up and emphasizes efficiency and effectiveness.
• Recommends and implements changes to processes which maintain compliance and streamline workflows utilizing automation whenever possible. Updates training documents, policy and procedures, as well as job aids, as necessary, and communicates changes effectively. Ensures consistency at all times between documented procedures and actual processing.
• Serves as an escalation point of contact to resolve loan file concerns. Properly further escalate issue (s) as appropriate.
• Coordinate the Underwriting department schedule calendar to ensure optimum staffing to ensure SLA’s are met.
• Participate in the interviewing and selection process for new team members and performance improvement counseling for existing team members.
• Manages and approves timecards and PTO requests in UKG.
• Manage department invoices efficiently and accurately, ensuring timely processing and adherence to budgetary guidelines.
• Maintain comprehensive knowledge of all SCCU lending criteria, guidelines, procedures, policies and processes to assist Underwriting Team Members and other lending departments effectively.
  
  
  

Requirements

Education and Training:

• High School diploma or equivalent is required
  
  
  

Prior Experience

• 3 to 5 years prior experience as a Mortgage Underwriter or lending experience required.
• Proficient in Conventional, Jumbo and Construction lending.
• FHA/VA underwriting certifications required or to be obtained within first six months in the role.
• Extensive knowledge of Mortgage regulatory compliance requirements.
• Efficient utilization of Microsoft Word, Excel, Outlook, Publisher, Encompass LOS, applicable county & state websites.
• Schedule:
  
  
  

Full Time during department hours of operation

• Monday - Friday 8:00am – 7:00pm.
• 1st or 2nd shifts available
• Occasional Saturdays may be required 8am - 5pm