Senior Home Loan Underwriter (Remote)

Golden-1-Credit-Union; Manlove (CA); Vor Ort; USD 56.000 - 65.000; Vollzeit

Zusammenfassung

Golden 1 Credit Union is seeking a Senior Home Loan Underwriter to assess mortgage files, ensuring compliance with agency, investor, and credit union policies. This non-exempt role reports to the Supervisor - Underwriting and collaborates with originations and operations to meet stringent turnaround times.

Ideal candidates bring 10+ years in real estate lending and a strong grasp of secondary market requirements, tax and income verification, and fraud detection.

Qualifikationen

• HS Diploma or GED required.
• College degree or equivalent preferred.
• 10+ years responsible real estate and/or equity lending experience with a financial or banking institution performing underwriting analysis and functions required.

Aufgaben

• Underwrite loan files received daily according to agency, investor and credit union policy and procedures.
• Review and sign off underwriting conditions in accordance to credit union policy while maintaining established turn times.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
• Current knowledge of secondary market requirements regarding credit, income, disclosure and property that would also include, hands on experience using various agency related internet and computer based systems as necessary/required.
• Ability to analyze tax returns, credit and appraisal reports, fraud detection and other property or income related reports and documentation to insure that information meets agency, investor and credit union requirements.
• Organize and prioritize daily workload to insure compliance to credit union policy, procedures and established turnaround times.
• Communicate and interact with all pertinent vendors, servicers, agencies, investors, staff, brokers and members.
• Maintain a current working knowledge of mortgage industry and credit union standards and trends.
• Monitor and resolve any quality control or insuring issues on relevant files in a timely manner to prevent delays.
• Work with management to implement procedures to prioritize work within the underwriting and processing area as volume dictates.
• Ability to work closely with originations and operations staff to insure compliance with guidelines and policies of credit union and agency.
• Assist supervisor or manager with training of staff members.
• Assist supervisor or manager with prioritizing workflow as directed.

Kenntnisse

Underwriting

Financial analysis

Tax returns analysis

Fraud detection

Ausbildung

HS Diploma or GED

College degree or equivalent preferred

Tools

Agency systems

Jobbeschreibung

Golden 1 Credit Union is seeking a Senior Home Loan Underwriter to assess mortgage files, ensuring compliance with agency, investor, and credit union policies. This non-exempt role reports to the Supervisor - Underwriting and collaborates with originations and operations to meet stringent turnaround times.

Ideal candidates bring 10+ years in real estate lending and a strong grasp of secondary market requirements, tax and income verification, and fraud detection.