Director of Underwriting

A well-regarded credit union in is expanding its mortgage leadership team and hiring a Director of Underwriting to lead, develop, and elevate a high-performing group of nine underwriters across multiple regional offices. This role owns the underwriting strategy, credit-risk integrity, and process excellence while partnering closely with sales, operations, and executive leadership. It’s a pivotal position that directly impacts growth, quality, and member experience inside a rapidly scaling, nationally recognized credit union. This is a role for a leader, not a babysitter. Someone who knows agency guidelines cold, navigates conflict with clarity and confidence, and pushes for solutions without compromising risk standards. The ideal candidate can inspire a team, build structure, and drive performance with precision and humanity.

Director Of Underwriting Responsibilities

• Lead, coach, and develop a distributed team of mortgage underwriters
• Manage workflow, productivity, and performance expectations across all underwriting functions
• Maintain and enforce credit-risk policies, regulatory compliance, and agency/aggregator guideline accuracy
• Identify and implement process improvements to improve efficiency and borrower experience
• Oversee and participate in decision-making on loans across all mortgage product types
• Run automated underwriting systems and evaluate exception requests
• Partner with Sales and Operations leadership to align goals, communicate decisions, and problem-solve
• Conduct training and onboarding programs to support growth and performance standards
• Host bi-weekly meetings with the underwriting team for alignment and communication
• Develop and maintain investor and agency relationships
• Participate in hiring decisions for all underwriting positions
• Travel up to one week per month between Franklin TN, Evansville, IN, Louisville, KY, and Owensboro, KY

Director Of Underwriting Requirements

• 6 - 7 years of mortgage underwriting experience
• Minimum 4–5 years leading or supervising mortgage underwriting teams
• Expert knowledge of agency guidelines: FNMA, FHLMC, FHA, USDA, VA, Non-QM, and specialty loan types
• Strong command of AUS platforms and credit policy interpretation
• Experience supporting high-volume underwriting environments
• Ability to navigate conflict between sales and credit risk calmly, collaboratively, and decisively
• Must live in or relocate to Evansville, IN, Louisville, KY, or Franklin/Nashville, TN
• Highly skilled communicator
• Bachelor’s degree in business/finance, DE/SAR certifications preferred

Benefits

• VP title possible for highly experienced candidates: $95,000–$140,000 base $45,000–$70,000 bonus
• Bonuses are paid monthly/quarterly based on loan decisioning and quality metrics
• Full health, dental, vision, life, STD/LTD
• 401(k) with company match
• PTO 5 sick days 3 personal days 13 paid holidays
• Business-casual culture; member-centric, collaborative, and competitive environment
• Low-turnover organization, stable leadership, growth-focused mortgage division

If you’re ready to lead from the front and build what’s next, step in. The runway is wide open. Apply now!