Director of Underwriting

Director of Underwriting Scottsdale, AZ Job Details Full-time 12 hours ago Qualifications Quality control corrective actions Managerial strategic planning Budget management Strategic management Operations management Compliance with loan regulations Underwriting Automation Operational risk management Federal Housing Administration (FHA) loans Credit risk assessment Regulatory compliance Loan evaluation Improving operational efficiency Performance management Compliance management implementation 8 years Team development Hiring Quality assurance audits Analysis skills Bachelor's degree Team management Decision making Performance Improvement (PI) Risk analysis Mentoring Recruiting FHA Direct Endorsement Certification Fraud prevention and detection Overseeing audit functions FNMA Senior level Training Cross-functional collaboration Veterans Affairs (VA) loans Escalation handling Leadership Communication skills Staffing management Cross-functional communication Operational budget management Credit analysis

Encompass Full Job Description Overview:

Are you passionate about making a real impact in the homebuying journey? At Tri Pointe Solutions , the financial services affiliate of Tri Pointe Homes , we're redefining what it means to purchase a home. Our dynamic team is driven by innovation, collaboration, and a shared commitment to excellence. We offer a comprehensive suite of services—including mortgage, title, escrow, homeowner's and title insurance—all integrated under one roof to create a seamless, high-quality lending experience for our borrowers. If you're ready to be part of a forward-thinking company that's shaping the future of the industry, apply to join our outstanding team. Tri Pointe Connect, the mortgage affiliate of Tri Pointe Homes, is looking for an experienced individual to join our talented group in Arizona as a Director of Underwriting. This position will be located in Scottsdale, Arizona working a hybrid schedule (M-W in office/Th-Fri remote).

Job Details Position Summary :

The Director of Underwriting is responsible for the strategic leadership, performance, and oversight of the underwriting function. This role ensures sound risk management, adherence to regulatory and investor guidelines, and alignment with company objectives. The Director establishes underwriting policies and risk frameworks, drives consistency in decisioning, and ensures loans are underwritten accurately, efficiently, and in a manner that supports salability across all investor channels, works closely with Credit Risk to align on risk appetite, guideline interpretation, and exception management, ensuring consistent and well-governed credit decisions, and collaborates cross-functionally with Production, Processing, Closing, Secondary, and Compliance to optimize workflows, improve loan quality, and enhance the overall customer experience. The Director is accountable for underwriting capacity planning, productivity, and team development, while fostering a culture of accountability, collaboration, and continuous improvement.

Responsibilities:

Provide leadership and day-to-day operations within the underwriting department to ensure excellence in customer service, compliance with all policies, procedures, and regulations, as well as productivity and quality are met and/or exceeded. Lead, mentor, and develop a team of underwriters to achieve established performance, quality, and service-level goals. Establish and enforce underwriting policies, procedures, and risk tolerance aligned with agency, investor, and regulatory requirements. Review and approve complex or high-risk loan files, including exceptions and escalations. Monitor pipeline metrics, productivity, and turn times; implement strategies to improve efficiency and scalability. Ensure compliance with all applicable federal, state, and investor guidelines (e.g., FHA, VA, FNMA, FHLMC, jumbo, and non-QM products). Partner with Production, Processing, Secondary Marketing, Compliance, and Quality Control teams to optimize workflows and loan quality. Oversee quality assurance and audit processes; respond to findings and implement corrective actions. Drive continuous improvement initiatives, including automation, technology adoption, and process standardization. Maintain up-to-date knowledge of industry trends, guideline changes, and regulatory updates. Participate in strategic planning, including capacity forecasting, staffing models, and budget management. Recruit, hire, train, and conduct on-going performance management with team. Conduct one-on-one meetings with team. Participate in operational meetings with team leaders. Other projects and duties as assigned.

Job Requirements Qualifications:

. Bachelor's degree or equivalent experience 8 or more years of mortgage underwriting experience, including 5+ years in a leadership role DE (Direct Endorsement) and SAR (VA) certification required

Skills:

Expertise with agency knowledge to include FNMA, FHLMC, FHA/VA and non-agency underwriting guidelines. Strong understanding of credit risk analysis, income calculation, collateral valuation, and fraud detection Risk management & compliance driven Proven leadership and team development skills Strategic thinking and recognized for operational excellence Excellent decision-making, problem-solving, and analytical abilities Strong communication and interpersonal skills, with the ability to work collabortively across departments Experience with Loan Origination Systems (e.g., Encompass) and automated underwriting systems (DU/LP) Ability to manage multiple priorities in a fast-paced, deadline-driven environment Experience scaling underwriting operations in a high-volume environment Familiarity with digital mortgage platforms and automation tools Attention to detail Adaptable and a change agent

Physical Requirements:

. May be sedentary for extended periods, up to 4 hours Visual acuity for detailed computer work Using fine motor skills for tasks requiring precision such as typing After hours/weekend, as needed Want to know what it's like working at Tri Pointe Homes? Click here to see what our employees have to say: Great Place to Work Certified Company Tri Pointe Homes is committed to building a diverse and talented team to help us achieve our goals. Please note that due to operational constraints, we are unable to consider applicants who require visa sponsorship (e.g., H1B, OPT) for this position. This policy applies uniformly to roles where sponsorship cannot be accommodated to ensure consistency and fairness in our hiring process. At Tri Pointe Homes, we are intentional about fostering an environment where you, and all individuals, are encouraged to be their authentic selves. We embrace individuality and strive to be consciously inclusive of different backgrounds, experiences, and perspectives in every aspect of our business. We believe our company's strength relies on the diversity of the team and the unique, innovative ideas everyone contributes. Pursuant to the California Consumer Privacy Act of 2018, if you are a California resident, you have the right to know the categories of personal information that we collect about job applicants, employees and their emergency contacts and beneficiaries, and independent contractors. Please click here for a description of our personal information collection practices. We are an Equal Opportunity Employer, which means we make employment decisions based on merit and qualifications and are committed to providing equal opportunities for all applicants and employees without regard to their race, color, creed, religion, national origin, ancestry, citizenship status, age, disability, sex, sexual orientation, gender identity or expression, veteran status, genetic information, or any other characteristic protected by applicable federal, state or local laws. We will endeavor to make a reasonable accommodation to the known physical or mental limitations of a qualified applicant with a disability unless the accommodation would impose an undue hardship on the operation of our business. If you believe you require such assistance to apply for an open position or to participate in an interview, please let us know.