Real Estate Portfolio Underwriter

UCCU; Provo (UT); On-site; USD 65,000 - 90,000; Full time

Job summary

UCCU in Utah invites an experienced loan underwriting professional to join our lending team. You will analyze credit and collateral risk for portfolio loan products, evaluate risks, and present requests that exceed lending authority for approval, all while delivering timely, accurate service to members.

You will require a two-year degree or equivalent, at least three years of loan officer or underwriting experience, and solid knowledge of financial statements, credit reports, tax returns,

Qualifications

• Have at least three years of loan officer or underwriting experience, ideally within consumer, residential, or home equity lending.
• Understand financial statements, credit reports, tax returns, appraisals, and related financial documentation.
• Apply sound knowledge of credit union loan services, policies, procedures, and required loan documentation.
• Maintain awareness of applicable legal and regulatory standards that guide lending and underwriting decisions.
• Analyze credit applications and related financial data with accuracy, consistency, and sound judgment.
• Support safe lending practices that help maintain delinquency and write-off ratios in line with credit union objectives.
• Prepare accurate, timely reports and documentation to support efficient lending and home equity operations.
• Build strong working relationships with loan personnel, area teams, and management while providing support and guidance as needed.
• Use related computer applications effectively to complete underwriting, documentation, reporting, and communication tasks.

Responsibilities

• Analyze credit and collateral risk for portfolio loan products to support responsible lending decisions and protect the safety and soundness of the credit union.
• Evaluate loan risks, identify compensating factors, and determine whether loan requests meet established underwriting standards, procedures, and policy requirements.
• Present loan requests that exceed lending authority for approval in accordance with loan policy.
• Facilitate timely, accurate, and efficient loan delivery while maintaining a positive experience for members and prospective members.
• Ensure members and prospective members are served promptly, professionally, and with a focus on their financial needs.
• Promote and recommend appropriate loan products and loan protection products based on member needs and eligibility.
• Partner with and train loan officers and home equity officers to strengthen understanding of loan processes, products, underwriting expectations, and member experience standards.

Skills

Credit analysis

Underwriting

Portfolio risk assessment

Education

Two-year degree or equivalent work experience

Job description

What You\'ll Do

• Analyze credit and collateral risk for portfolio loan products to support responsible lending decisions and protect the safety and soundness of the credit union.
• Evaluate loan risks, identify compensating factors, and determine whether loan requests meet established underwriting standards, procedures, and policy requirements.
• Present loan requests that exceed lending authority for approval in accordance with loan policy.
• Facilitate timely, accurate, and efficient loan delivery while maintaining a positive experience for members and prospective members.
• Ensure members and prospective members are served promptly, professionally, and with a focus on their financial needs.
• Promote and recommend appropriate loan products and loan protection products based on member needs and eligibility.
• Partner with and train loan officers and home equity officers to strengthen understanding of loan processes, products, underwriting expectations, and member experience standards.

Who You Are

• Bring a two-year degree or equivalent work experience, with additional coursework in business or a related field preferred.
• Have at least three years of loan officer or underwriting experience, ideally within consumer, residential, or home equity lending.
• Understand financial statements, credit reports, tax returns, appraisals, and related financial documentation.
• Apply sound knowledge of credit union loan services, policies, procedures, and required loan documentation.
• Maintain awareness of applicable legal and regulatory standards that guide lending and underwriting decisions.
• Analyze credit applications and related financial data with accuracy, consistency, and sound judgment.
• Support safe lending practices that help maintain delinquency and write-off ratios in line with credit union objectives.
• Prepare accurate, timely reports and documentation to support efficient lending and home equity operations.
• Build strong working relationships with loan personnel, area teams, and management while providing support and guidance as needed.
• Use related computer applications effectively to complete underwriting, documentation, reporting, and communication tasks.

What Success Looks Like

• Loan requests are evaluated, reviewed, underwritten, and documented accurately, promptly, and in alignment with established credit union policies and lending authority.
• Credit applications, borrower financial information, income, assets, collateral, and property documentation are thoroughly analyzed to support sound lending decisions.
• Underwriting decisions consistently reflect program requirements, credit union standards, and applicable legal and regulatory requirements.
• Loans are approved, denied, or escalated appropriately, with applicants and loan personnel receiving timely communication and clear requests for additional information when needed.
• Home equity final approvals are supported by complete, accurate, and verified documentation.
• Reports, records, files, and loan documentation are completed promptly, accurately, and maintained in good order.
• Loan officers, home equity officers, support personnel, and area teams receive helpful guidance, coaching, training, and support when application or underwriting questions arise.
• Management is kept informed of area activities, significant issues, and opportunities to improve underwriting policies, procedures, and workflows.
• Members, external lending professionals, governmental agencies, and internal partners receive accurate information, professional service, and timely problem resolution.
• Knowledge of underwriting requirements, software applications, economic conditions, and legal or regulatory changes remains current and is applied effectively in daily work.
• Credit union services are cross-sold professionally and appropriately based on member needs.
• Assigned duties, special projects, and area support needs are completed reliably, including maintaining a clean, secure, and well-organized work area and working a regular, predictable schedule.

Compensation

Compensation will be based on experience, qualifications, and market alignment. The total package includes a competitive base salary and comprehensive benefits consistent with UCCU's commitment to its employees.

Why UCCU

Founded in 1955 by a BYU faculty member and six colleagues with just $5 each, UCCU began on a campus stair landing with its assets kept in a cast-iron tub. Seventy years later, Utah Community Credit Union has grown into one of the nation’s fastest-growing credit unions, serving more than 185,000 members with over $3 billion in assets and a clear vision to reach $10 billion by 2033.

What has remained constant is UCCU's founding philosophy: people helping people. As a not-for-profit, member-owned institution, UCCU is committed to helping members improve their financial strength, achieve their goals, and love where they bank. Today, that mission is matched by a deliberate growth strategy, strong leadership, and a culture built on honesty, service, respect, fiscal responsibility, and investment in people.

For the right person, UCCU offers more than a place to work it offers a chance to be part of something growing, purposeful, and deeply rooted in helping people thrive. Here, every role matters. Every contribution helps strengthen members, support communities, and shape the future of a trusted, member-owned institution. UCCU looks for people who want to grow as leaders in every part of life from the boardroom to the family room, and from the bank to the backyard while building something meaningful together.

Equal Opportunity Statement

UCCU is an Equal Opportunity Employer. We are committed to providing equal employment opportunities to all individuals without regard to race, color, religion, sex, national origin, age, disability, veteran status, sexual orientation, gender identity, or any other characteristic protected by applicable law.

Equal Opportunity Employer
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