Job Title: Non-Delegated Mortgage Underwriter III Location: Remote Texas Job Description: What you'll do: A Non-Delegated Mortgage Underwriter III is responsible for underwriting conventional loans by reviewing the credit, capacity, and collateral characteristics of loan files to ensure it meets company and investor quality standards. - Manage individual pipeline on a daily basis by completing Conventional loans, simple and complex Underwriting Reviews, Conditions Reviews and other Underwriting Tasks within established turn times - Identify any document deficiencies, request additional information and/or documentation from Clients as needed - Expert ability to navigate and interpret all agency and company guidelines - Assist other department personnel in interpreting underwriting guidelines, update loan status and complete all necessary tasks assigned to loan. - Contact clients to provide updates and clarification on outstanding conditions and deficiencies identified on loans - Other duties as assigned What you'll need: - 5+ years mortgage industry experience, with 3 years recent frontline underwriting experience preferred in a wholesale or retail lending environment. - Ability to communicate effectively and professionally - Basic proficiency in Microsoft Office products (Excel, Word, etc.) - Encompass LOS experience preferred - Project management experience - College degree preferred but not required - Loan quality and risk management a must - Knowledge of FNMA and FHLMC guidelines - Proficiency with automated underwriting systems such as Desktop Underwriter and Loan Product Advisor - Excellent Customer/Client service skills - Ability to work in a fast paced production environment - Self-starter, self-reliant, dependable, ability to work within and meet specific time constraints - Excellent written and verbal communication skills - Prioritization and Time Management skills - Ability to learn and adapt to guideline changes Benefits you'll love: We offer all the important things you'd want - like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career! About the company: AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC. Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities.

• Manage commercial Underwriting policies and processes for asset based trucking, equipment and other small business loans across a variety of industries, products, channels, and collateral situations utilizing financial spreading and cash flow analyses, ratio analyses, personal and business credit reports, and other factors to decision deals in a timely and accurate manner. • Continuously improve AOF’s loan underwriting process by balancing algorithms, scorecards, and automated criteria with appropriate human judgment, with the goal of delivering a smooth, predictable, and borrower-friendly experience. • Oversee execution of the underwriting and credit process from credit decisioning to funding the loans. • Lead asset-based underwriting across equipment finance and commercial vehicle/trucking portfolios, including evaluation of collateral quality, equipment valuations, loan-to-value analysis, and residual value risk to ensure sound credit decisions across secured lending products. • Partner with the VP, Credit Risk & Policy to continuously improve the end-to-end credit approval process and establish best practices that deliver expected portfolio performance and impact results. • Manage and develop a team of Underwriters, fostering a culture of credit excellence, clear risk articulation, and consistent application of credit policy. • Support a culture of talent development aligned to the organization’s strategy and goals. • Support training of Sales and Document Verification teams on credit risk, underwriting processes, and policies to enable a smooth and efficient operation. • Collaborate with Operations, Product, Sales, Data, Engineering, and Compliance teams to identify needs and contribute to solutions that support organizational goals. • Establish and monitor SLAs for the underwriting team, maintaining consistent and proactive communication with Sales teams on queue status, progress, and issues.

Non-Delegated Mortgage Underwriter IV (Jumbo/High-net Worth) Location:, AZ Remote Full time job requisition id R12697 Job Description: Job Title: Non-Delegated Mortgage Underwriter IV (Jumbo/High-net Worth) Location:, AZ Remote What you'll do: As a Mortgage Underwriter IV you'll be responsible for underwriting Jumbo and Non-Agency loans by reviewing the credit, capacity and collateral characteristics of loan files to ensure it meets company and investor quality standards. You'll be responsible for reviewing and clearing underwriting conditions on Jumbo and High-Net Worth loans in compliance with current guidelines and overlays. - Manage individual pipeline on a daily basis by completing Jumbo and High-Net Worth loans, Non-Agency and complex Underwriting Reviews, Conditions Reviews and other Underwriting Tasks within established turn times. - Identify any document deficiencies, request additional information and/or documentation from Clients as needed. - Analyze complex income sources, including self-employed income, K-1s, and tax returns. - Evaluate credit reports, asset statements, and complex appraisals. - Ensure compliance with investor, federal, and internal guidelines. - Maintain awareness of regulatory changes and investor overlays. - Navigate and interpret all Agency, Non-Agency and company guidelines. - Assist other department personnel in interpreting underwriting guidelines, update loan status and complete all necessary tasks assigned to loan. - Contact clients to provide updates and clarification on outstanding conditions and deficiencies identified on loans. - Experience associated with client-initiated scenario questions and ability to provide live assistance with loan structure and solution-based guidance. What you'll need: - 8+ years of related experience in Mortgage Industry, Residential Mortgage Loan underwriting or similar field. - High school diploma required. - Advanced knowledge of residential mortgage industry in Correspondent or Retail Lending; including sales, operations, and/or other residential mortgage products and services. - Advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices. - Advanced knowledge of FNMA, FHLMC, FHA, VA and USDA Guidelines. - Intermediate knowledge of MS Office products. - Intermediate knowledge of Encompass. - Advanced speaking and writing communication skills. - DE or SAR certification required. Benefits you'll love: We offer all the important things you'd want - like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career! About the company: AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC. Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities.

• Maintain accountability for assigned territory, ensuring profitable growth and achievement of profit and premium plans. • Lead a team of underwriters to profitably underwrite complex new and renewal business. • Effectively coach and develop the team to execute underwriting technical discipline and established quality standards. • Achieve production goals within assigned territory. • Conduct both in-person and virtual sales calls with agencies and insureds. • Develop and maintain successful relationships with producers and agencies. • Collaborate with internal partners to ensure optimal stakeholder management. • Represent UFG in the marketplace, articulating the company’s capabilities.