Hybrid Mortgage Underwriter - Detail-Driven & Compliant

American United Federal Credit Union; West Jordan (UT); Hybrid; USD 70,000 - 95,000; Full time

Job summary

American United Federal Credit Union is seeking an experienced Mortgage Underwriter to join our lending team in a hybrid role. You will review and underwrite mortgage applications, maintain compliant loan files, and collaborate with borrowers, loan officers, management, and third-party vendors to move loans from application through closing.

The ideal candidate analyzes mortgage applications and credit histories to evaluate creditworthiness, makes decisions per guidelines, and ensures

Qualifications

• Review mortgage applications and determine creditworthiness.
• Ensure compliance with credit union lending guidelines and applicable regulations.
• Maintain accurate loan files and document loan status throughout the process.
• Provide timely guidance and disclosures to borrowers and internal partners.

Responsibilities

• Analyze mortgage applications, credit histories, income, assets, debts, and other financial information to evaluate creditworthiness.
• Make sound underwriting decisions per lending authority and guidelines.
• Review mortgage files for accuracy and compliance before closing.
• Prepare and provide required disclosures and documentation to borrowers.
• Maintain loan records and communicate status to borrowers and partners.
• Refer complex loans or exceptions to management or the Consumer Loan Committee.

Skills

Mortgage underwriting

Credit analysis

Regulatory compliance

Communication

Job description

American United Federal Credit Union is seeking an experienced Mortgage Underwriter to join our lending team in a hybrid role. You will review and underwrite mortgage applications, maintain compliant loan files, and collaborate with borrowers, loan officers, management, and third-party vendors to move loans from application through closing.

The ideal candidate analyzes mortgage applications and credit histories to evaluate creditworthiness, makes decisions per guidelines, and ensures