Mortgage Underwriter

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, detail-oriented Mortgage Underwriter to join our lending team.

Our mission is "We Help When Others Won't." That means looking beyond the numbers to understand each borrower's complete financial picture while making responsible lending decisions that protect both our members and the Credit Union.

In this hybrid role, you will review and underwrite mortgage applications, maintain compliant and accurate loan files, and collaborate with borrowers, loan officers, management, and third-party vendors to move loans efficiently from application through closing.

What You'll Do

• Analyze mortgage applications, credit histories, income, assets, debts, and other financial information to evaluate creditworthiness.
• Make sound underwriting decisions in accordance with Credit Union guidelines, lending authority, and applicable regulations.
• Review mortgage files for accuracy, completeness, and compliance before closing and funding.
• Prepare and provide required disclosures and documentation to borrowers.
• Maintain accurate loan records and document loan status throughout the process.
• Communicate regularly with borrowers, loan officers, title companies, appraisers, notaries, and other partners.
• Manage multiple loans and deadlines while maintaining accuracy and regulatory compliance.
• Refer complex loans, exceptions, or requests outside assigned lending authority to management or the Consumer Loan Committee.
• Work with the Audit Department to address findings and support compliance with federal and state mortgage-lending requirements.
• Monitor regulatory and industry developments and complete required annual compliance training.
• Review and help maintain mortgage procedures, checklists, and underwriting guidelines.
• Provide timely, knowledgeable assistance to employees and other departments.
• Consider each application fairly, including applications from borrowers with lower credit scores, limited income, fixed income, or previous denials from other financial institutions.

About American United Federal Credit Union

American United Federal Credit Union is a member-focused financial cooperative committed to helping individuals and families build stronger financial futures. Our mission-"We Help When Others Won't"-guides how we serve our members, support one another, and approach lending opportunities.

American United Federal Credit Union is an equal opportunity employer. We consider qualified applicants without regard to any legally protected characteristic and provide reasonable accommodations to qualified individuals with disabilities.