Senior Mortgage Underwriter

VyStar Credit Unions; Brooklyn (FL); On-site; USD 70,000 - 90,000; Full time

Job summary

VyStar Credit Unions is seeking a Senior Mortgage Underwriter responsible for evaluating various mortgage loan applications, ensuring compliance with guidelines and maximizing efficiency. The ideal candidate should have over 5 years in underwriting and possess strong analytical skills.

A Bachelor's degree is preferred, alongside active certifications such as DE and a solid understanding of regulatory requirements. This position offers a dynamic work environment where team collaboration is essential.

Qualifications

• 5+ years in a mortgage underwriting role.
• Active certifications in DE, CHUMS, and VA LAPP.
• Strong working knowledge of ATR/QM requirements.

Responsibilities

• Evaluate mortgage loan applications for compliance.
• Analyze income and creditworthiness of borrowers.
• Work with loan officers to ensure file completeness.

Skills

Analytical skills

Decision-making

Communication skills

Detail-oriented

Technical skill in Microsoft Office

Education

High School Diploma or GED

Bachelor’s degree preferred

Tools

Encompass Loan Origination System

Computerized Homes Underwriting Management Systems

Job description

Senior Mortgage Underwriter

Accountability Statement:
The Senior Mortgage Underwriter is responsible for evaluating various types of mortgage loan applications, including conventional (Fannie Mae and Freddie Mac), FHA, VA, equity, construction-to-perm, renovation-to-perm, and specialty programs. Must have strong understanding of standard concepts, practices, and procedures of residential underwriting and is able to ensure the loan meets agency requirements for soundness, salability, and insurability.

Essential Responsibilities

• Review loan files to determine compliance with lender credit underwriting guidelines as well as government guidelines.
• Review and validate borrower(s): income (including complex business and personal tax returns), credit, asset documentation, title and fraud reports.
• Analyze loan files to determine creditworthiness of borrower.
• Prioritize and manage files among new submissions, documents, and funding.
• Work as a team with loan officers and other professionals to ensure file completeness.
• Review government appraisal to ensure the value of the property is accurately presented.
• Maintain production standard goals as established by management.
• Re-underwrite loans when additional information has been received.
• Be proactive in researching general underwriting scenarios and guidelines to stay up to date.
• Consistently adhere to VyStar core values and Code of Ethics and act in accordance with Corporate defined values and ethics.
• Consistently demonstrate VyStar Excellence by providing service to the membership, Credit Union employees, and third‑party vendors.
• Understand mortgage department goals as well as Credit Union goals and pro‑actively work toward attainment of those goals.
• Identify and make recommendations to Mortgage Underwriting Supervisor, AVP Mortgage Underwriting, and VP Mortgage Credit regarding process improvements, quality service, and increased efficiencies within the processing unit.
• Perform activities and projects as assigned and requested by senior management.
• Perform in accordance with established guidelines/benchmarks in relation to acceptable/reasonable delinquency and loss ratios.
• Perform other duties as assigned.

Job Qualifications

• Education: High School Diploma or GED required; Bachelor’s degree preferred.
• Certifications: Active Direct Endorsement (DE) and Computerized Homes Underwriting Management Systems (CHUMS). Active in VA Lender Appraisal Processing Program (LAPP) and certified as a Staff Appraisal Reviewer (SAR) for VA loans.
• Experience: 5+ years in a mortgage underwriting role, including conventional (Fannie Mae and Freddie Mac), FHA, VA, equity, construction‑to‑perm, renovation‑to‑perm, and specialty program underwriting.
• Knowledge, Skills, and Abilities: Strong analytical and decision‑making/problem‑solving skills; working knowledge of ATR/QM (Ability to Repay/Qualified Mortgage Rules) requirements; Encompass Loan Origination System (LOS) experience preferred; detailed‑oriented and self‑motivated; positive, well‑developed communication skills, both written and verbal; ability to work in a fast‑paced environment and with others; professional conduct and appearance; intermediate technical skill within Microsoft Office suite.

Disclaimers and Work Environment

Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, the employee may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.