Senior Mortgage Underwriter: Complex Loan Expert

VyStar Credit Unions; Brooklyn (FL); Hybrid; 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

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.