We have a small mortgage department. Our 1 underwriter manages the 2 processors. There is also a closer/shipper who reports to the underwriter as well. Is there a conflict here? I just can't seem to think of why this cannot be, but others in the bank have questioned this set-up.

What we don't know is the size of your institution. My experience in a community bank tells me this can have an impact as there may not be anyone else to do this.

When personnel are few, increased oversight, audit and quality controls can mitigate criticisms when the program is clean and works well.