Team Leader III - Underwriting

About Us

At USALLIANCE, we pride ourselves on innovation, teamwork, training and development and career planning. As part of our team, you will have the opportunity to grow both personally and professionally in an inclusive and supportive environment. Represent USALLIANCE in the community and form lasting relationships with our members and partners.

This position is responsible for the oversight of the workflow and underwriting of the Real Estate Lending Mortgage & HELOC underwriting group, including contribution to the development of the processes, policies, and procedures of the department. Assists RE Lending Underwriting Manager with the onboarding of new employees and assist in the development and delivery of continuous training to the Underwriting group.

Handles various reports to ensure proper dissemination of incoming files, compliance, and general pipeline management.

• Oversee day to day operations of the RE Lending Underwriting with direct supervision of the team members in conjunction with the RE Lending Underwriting Manager.
• Provide support and direction to team members on the proper handling of, 1st lien, HELOC and HELOAN applications.
• Actively monitor the loan pipeline to ensure compliance and member service standards are met.
• Collaborate with RE Lending leadership team to develop strategies to accomplish departmental lending goals and individual underwriting incentive goals.
• Collect information and provide feedback and support for the development of or improvement to established RE Lending programs, processes, policies, and procedures.
• Monitor trends relating to the Underwriting area and make recommendations or implement changes to improve productivity, efficiency, or quality of workflow.
• Maintain knowledge of all products and services offered by the RE Lending department.
• Train, onboard, and evaluate Underwriting team members.
• Handle member service calls requiring escalation.
• Adhere to all established policies and procedures of USALLIANCE Financial and maintain compliance with all applicable regulatory requirements and ensure direct reports.
• Perform and track monthly QC review samples for underwriting team members based on % of closed loans.

• 5+ Years of Mortgage underwriting experience.
• Proficient in all applicable laws and regulations related to Mortgage Lending, including ECOA, TRID, TILA RESPA and Fair Lending.
• Encompass experience is preferred.
• Demonstrates interpersonal, organizational, and communication skills (verbal & written) along with strong leadership skills.
• Detail oriented with the ability to work in a fast-paced environment.
• Proficient in MS Office.
• Strong organizational and time management skills.
• Commitment to providing excellent member service and being solution oriented when addressing member inquiries and escalations.
• Adherence to local, state, and federal laws/regulatory requirements as related to functional areas including the Patriot Act, Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act.
• Adherence to policies and procedures, including security compliance and guidelines to limit risk exposure to fraud and losses; review exceptions and escalate when necessary.

• Competitive salary and benefits package
• Opportunities for professional development and career growth
• Hybrid Schedule (min 3 days in office to maximize collaboration)
• A collaborative and inclusive work environment
• Paid Time Off, Wellness Time & Paid Federal holidays
• 401K with 6% match
• High Performance Culture

Become a part of a team where your ideas are valued, your growth is supported, and your work makes a difference. Apply today and take the next step in your career with USALLIANCE.

USALLIANCE Federal Credit Union, as an Equal Opportunity Employer, values and supports the diverse cultures, perspectives, skills, and experiences within our workforce.

This job description is for informational purposes only and should not be construed as a complete listing of the job responsibilities and requirements. This job description may be modified at any time, for any reason, at the sole discretion of management.

At this time, US Alliance Federal Credit…