Senior Mortgage Director

Senior Mortgage Director

Job Description:

As a Senior Mortgage Director, you’ll be accountable for leading, strategizing, and executing underwriting and appraisal functions across all business lines and channels, including Correspondent Delegated and Non-Delegated, Portfolio Lending, and Retail Lending. This role also includes driving the oversight, development, and performance management of underwriters and underwriting managers within the lending channel. You will define, implement, and continuously refine the vision and strategy for all underwriting divisions within AmeriHome, ensuring alignment with organizational goals and risk appetite.

Benefits You’ll Enjoy:

• Competitive salary package
• Ownership stake in the company
• Comprehensive medical insurance
• Dental insurance coverage
• Paid time off
• Generous 401(k) matching program
• Tuition assistance program
• Employee volunteer program
• Wellness program
• Hands-on experience learning how successful companies operate and manage finances
• Opportunities to strengthen your business knowledge and grow your career

Key Responsibilities:

• Build, lead, and empower high-performing credit operations teams that balance sales, underwriting, and risk. Set departmental goals and ensure robust controls and procedures for timely, accurate underwriting, appraisal, and reviews, while maintaining a focus on credit quality, service, and efficiency. Manage and develop underwriting leadership and staff, including Underwriters, Underwriting Managers, and the Scenario Desk team.
• Drive operational strategy and capacity planning for Correspondent and Retail Lending divisions, aligning staffing and resources with production and financial goals. Lead process improvement initiatives to enhance service levels, reduce cost per loan, and maintain loan quality.
• Partner with product and technology teams to design and deploy new products and digital capabilities, specifically automation and AI tools that enhance underwriting performance and consistency, boost efficiency, reduce cycle times, and improve lender, client, and borrower experience per channel.
• Identify and leverage strategic opportunities by utilizing existing resources and relationships with clients and business partners. Participate in strategic planning and execution to meet divisional goals and provide regular reporting and performance metrics in Monthly Business Reviews.
• Lead and develop a team responsible for hiring, coaching, performance management, training, and development.

What You’ll Need:

• 15+ years of related experience in Residential Mortgage Loan Underwriting.
• Bachelor’s degree in a related field required; Master’s or MBA in a related field preferred.
• 8+ years of experience in residential mortgage underwriting management, with at least 5 years in a senior leadership role preferred.
• Experience with digital mortgage platforms and automation tools.
• Advanced knowledge of the residential mortgage industry in Correspondent or Retail Lending, including sales, operations, capital markets, and other residential mortgage products and services.
• Advanced knowledge of applicable federal and state regulatory and legal compliance obligations, rules, regulations, industry standards, and practices, including TRID, ECOA, HMDA, FCRA, Flood, HOEPA, HPML, Appraisal, ATR/QM, TCPA, UDAAP, and Fair Lending.
• Extensive understanding of mortgage lending principles and underwriting guidelines, including FHA, VA, and conventional loans, loan processing, and automated underwriting systems.
• Advanced experience with mortgage banking technology, including Encompass (LOS), AUS, core systems, and MS Office products.
• Direct Endorsement (DE) or Staff Appraisal Reviewer (SAR) designation is required.
• Occasional travel required.

Apply Now