Conventional Underwriter

Member First Mortgage, LLC; Grand Rapids (MI); Remote; USD 50,000 - 80,000; Full time

Job summary

An established industry player is on the lookout for a Conventional Underwriter to join their dynamic team. This role is perfect for someone who thrives in a fast-paced environment and is motivated by exceptional customer service. You will be responsible for reviewing mortgage loan applications and making informed decisions while adhering to internal and regulatory guidelines. With a strong commitment to employee growth and a family-oriented culture, this company offers a collaborative work environment and generous benefits. If you are passionate about helping others and have a keen eye for detail, this opportunity could be your next career milestone.

Benefits

Generous healthcare packages

Employer-paid short-term and long-term disability

Employer-paid Life Insurance

100% Employer-paid Vision

401K Plan with match

20 days PTO - no waiting periods

Fun and collaborative team environment

Qualifications

• 3-5 years of relevant underwriting experience required.
• Understanding of various lending types including RD, Jumbo, and Conventional.

Responsibilities

• Review mortgage loan applications and make decisions within guidelines.
• Approve or reject loan applications and document decisions.
• Monitor underwriting queues to meet service level agreements.

Skills

Underwriting

Customer Service

Decision-making

Communication Skills

Organizational Skills

Time Management

Education

Two-year college degree

Specialized training

Tools

Microsoft Office

General PC applications

Job description

Job Details

Job Location: Remote - Grand Rapids, MI

Salary Range: Undisclosed

Description

Member First Mortgage is seeking a Conventional Underwriter for our growing Underwriting team! If you thrive in a fast-paced environment, are motivated by building relationships through exceptional customer service, and enjoy learning new skills daily, this is an excellent opportunity to join our award-winning team recognized as a Best and Brightest company to work for in the nation. In this role, you will review mortgage loan applications and make decisions within internal and regulatory guidelines.

Founded on the credit union philosophy of 'People Helping People', we have become a trusted full-service mortgage provider to over 200 credit unions across the U.S. Our core values of honesty and integrity foster a friendly, family-oriented culture dedicated to employee growth and success.

Benefits We Offer:

• Generous and competitive healthcare packages
• Employer-paid short-term and long-term disability
• Employer-paid Life Insurance
• 100% Employer-paid Vision
• 401K Plan with match
• 20 days PTO - no waiting periods!
• Fun and collaborative team environment

Qualifications

Responsibilities:

• Assess income adequacy and verify assets meet closing requirements from acceptable sources.
• Review appraisals, ensure documented values, appropriate risks, and guideline compliance.
• Approve or reject loan applications, requesting additional info if needed, and document decisions.
• Monitor underwriting queues to meet Service Level Agreements.
• Perform underwriting functions per program, company, and legal standards, staying updated on policies and software.
• Communicate with departments on file issues and complex scenarios, assist with audit items.
• Ensure documentation is complete and accurate, meet all conditions before closing, and inform management of significant issues.

Experience: 3-5 years of relevant experience.

Education: Two-year college degree, specialized training, or extensive in-house training.

Expertise in RD, Condo, Jumbo, or Construction lending required.

Additional Qualifications:

• Understanding of RD, Jumbo, Condo, Construction, and Conventional underwriting.
• Knowledge of financial statements, credit reports, tax returns, and appraisals.
• Familiarity with lending programs, policies, and procedures.
• Sound judgment and effective communication skills.
• Decision-making, organizational, and time management skills.
• Ability to work independently with attention to detail.
• Proficiency in Microsoft Office and general PC applications, including 10-key and word processing.

Physical Requirements:

Regular sitting, standing, walking; occasional lifting up to 10 pounds; extended computer use; communication via telephone.

Work Environment:

Remote office setting.

If you seek a company committed to your success and member service excellence, we encourage you to apply!