Mortgage Underwriter, AACU Mortgages

American Airlines; Fort Worth (TX); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Travel perks

Health benefits

Wellness programs

401(k) program

Additional benefits

Job summary

American Airlines Credit Union is seeking a Mortgage Underwriter in Fort Worth, TX to support first and second mortgage originations nationwide. You will apply underwriting guidelines, assess employment and credit data, review property valuations and title documents, and ensure data integrity through the credit decision process.

Preferred candidates have 3–5 years in financial services, knowledge of FNMA guidelines, and experience with DU/ Desktop Underwriter, Mortgage Cadence, Episys, and

Qualifications

• Minimum education includes a high school diploma or GED; preferred is a Bachelor's in Business or related field.
• 3–5 years experience in financial/banking with knowledge of real estate lending.
• Experience with conventional underwriting and appraisal review.
• Familiarity with FNMA guidelines, QM/ATR regulations, and DU/ Desktop Underwriter.
• Ability to pass pre-hire compliance checks for American Airlines and Credit Union.

Responsibilities

• Apply underwriting guidelines and federal regulations to loan decisions.
• Analyze employment, credit, property, and other data for credit decisions.
• Review and approve property valuations and title/survey documents.
• Analyze tax returns for individuals and businesses.
• Communicate conditions and assist in expediting approvals.
• Maintain data integrity and complete loan conditioning.
• Prepare HMDA data aggregation and reports; assist with QC reviews.

Skills

Independent work

Attention to detail

Time management

Project coordination

Strong communication

Education

Bachelor’s degree in Business

High school diploma or GED

Tools

Mortgage Cadence

Episys

Meridian Link

MS Office (Word/Excel)

Job description

Job Description

Intro

Are you ready to explore a world of possibilities, both at work and during your time off? Join our American Airlines family, and you’ll travel the world, grow your expertise and become the best version of you. As you embark on a new journey, you’ll tackle challenges with flexibility and grace, learning new skills and advancing your career while having the time of your life. Feel free to enrich both your personal and work life and hop on board!

Why you'll love this job

This job is within the American Airlines Credit Union. The role is r esponsible for working with the real estate lending team supporting first and second mortgage originations for properties nationwide.

What you'll do

• Applyall internal underwriting guidelines, secondary market requirements, and federal regulations to the decision process to ensure loan quality
• Analyzeand verifies employment profile, credit strength, property characteristics, and all other information pertinent to the credit decision process
• Reviewand approveproperty valuations
• Reviewand approvetitle and survey documents
• Analyzeindividual, joint, and business tax returns
• Communicaterequired conditions/stipulations and provideassistance to expedite the final approval
• Interactwith other individuals involved in the process to obtain information or seeks clarification about documents
• Adhereto turn time objectives
• Providestrong/clear communication to all parties involved in the loan process regarding requirements
• Reviewand ensuredata integrity to confirm the accuracy of the AUS findings
• Completeconcise and accurate conditioning of loan files
• CompileHMDA data aggregation and report compilation
• Assistwith quality control findings/reviews
• Maintaina current knowledge of changing legislation and regulatory climates
• Keeplending team up to date on secondary market lending guidelines and DU enhancements
• The selected candidate will be responsible for ensuring the security and confidentiality of all account and related information which is part of their work and for ensuring that his/her work is in compliance with all applicable laws and regulations including, but not limited to, the Bank Secrecy Act.

All you'll need for success

Minimum Qualifications- Education & Prior Job Experience

• High school diploma or GED

Preferred Qualifications- Education & Prior Job Experience

• Bachelor’s degree in Business or related area of study
• 3 to 5 years relevant experience in a financial/banking institution with strong knowledge of real estate lending products, processes, policies and services
• Experience in conventional underwriting and appraisal review
• Experience and knowledge of federal/state laws pertaining to real estate lending and understanding of recent FNMA guidelines and QM/ATR regulations
• Experience with Fannie Mae Desktop Underwriter

Skills, Licenses & Certifications

• Skilled in Microsoft Office software (e.g., Word, Excel, Access, PowerPoint)
• Knowledge of loan origination/processing systems, Mortgage Cadence (formerly Prime Alliance), Episys, and Meridian Link
• Ability to work independently with minimal supervision and handle multiple tasks simultaneously
• Ability to manage projects in accordance with short and long range objectives
• Ability to self-motivate with strong organization skills and capacity for attention to detail
• Ability to effectively prioritize work and meet deadlines
• Ability to adjust work schedule and work additional hours as needed to support business needs
• Ability to maintain satisfactory performance and attendance
• Ability to pass applicable American Airlines and Credit Union pre-hire compliance checks

What you'll get

Feel free to take advantage of all that American Airlines has to offer:

• Travel Perks: Ready to explore the world? You, your family and your friends can reach 365 destinations on more than 6,800 daily flights across our global network.
• Health Benefits: On day one, you’ll have access to your health, dental, prescription and vision benefits to help you stay well. And that’s just the start, we also offer virtual doctor visits, flexible spending accounts and more.
• Wellness Programs: We want you to be the best version of yourself – that’s why our wellness programs provide you with all the right tools, resources and support you need.
• 401(k) Program: Available upon hire and, depending on the workgroup, employer contributions to your 401(k) program are available after one year.
• Additional Benefits: Other great benefits include our Employee Assistance Program, pet insurance and discounts on hotels, cars, cruises and more

Feel free to be yourself at American

From the team members we hire to the customers we serve, inclusion and diversity are the foundation of the dynamic workforce at American Airlines. Our 20+ Team Member Business Resource Groups are focused on connecting our team members to our customers, suppliers, communities and shareholders, helping team members reach their full potential and creating an inclusive work environment to meet and exceed the needs of our diverse world.

Are you ready to feel a tremendous sense of pride and satisfaction as you do your part to keep the largest airline in the world running smoothly as we care for people on life’s journey? Feel free to be yourself at American.

Cities:Fort Worth - TX
Requisition ID:88132