Sr. Home Loan Underwriter

Gesa Credit Union; Spokane, Richland (WA, WA); On-site; USD 47,664 - 79,446; Full time

Benefits offered by this job

Competitive pay

Medical, Dental, Vision, and Life Ins.

401(k) match

Paid time off and holidays

Tuition assistance

Job summary

Gesa Credit Union in Richland, WA is seeking a Sr. Home Loan Underwriter to ensure high-quality residential mortgage decisions. This experienced role focuses on underwriting in line with company and agency standards, with opportunities to mentor teammates and collaborate across departments.

You will analyze income, assets, and credit, enforce TRID and QM rules, manage a loan pipeline, and support FHA/VA underwriting initiatives. The role demands high accuracy, strong communication, and teamwork.

Qualifications

• High school diploma or equivalent required.
• Five+ years of mortgage loan underwriting experience.
• Three+ years of correspondent lending experience (desired).
• FHA DE or VA LAPP SAR (desired).
• Expert with loan origination software relevant to duties.
• Proven track record of meeting monthly goals.
• Proficient with Microsoft Office Suite.
• Some travel required for training and objectives.

Responsibilities

• Analyze income, credit, assets, and loan applications to produce sound credit decisions.
• Comply with TRID, Ability to Repay/Qualified Mortgage rules, and other regulations.
• Ensure Loan Origination System reflects accurate loan data.
• Conduct collateral analysis to verify property meets guidelines and appraisal quality is acceptable.
• Collaborate with loan officers and operations to resolve conditions and issues.

Skills

Attention to detail

Communication

Team collaboration

Adaptability

Education

High school diploma or equivalent

FHA DE or VA LAPP SAR

Job description

Overview

Role: Sr. Home Loan Underwriter — Experienced level. Location: South Richland HQ, Richland, WA 99352. Employment type: Full Time - Hourly. Education requirement: High School. Salary range: $34.60 - $57.67 per hour.

Gesa Credit Union is committed to empowering communities and supporting employees. This role focuses on consistent quality loan decisions for residential mortgage loans in accordance with company and agency standards, with opportunities to mentor others and collaborate across teams.

What You Will Be Doing

• Analyze income, credit, assets, and loan applications according to company and agency underwriting guidelines to produce sound credit decisions.
• Comply with TRID, Ability to Repay/Qualified Mortgage rules, and other compliance regulations.
• Ensure Loan Origination System reflects accurate loan data.
• Perform thorough collateral analysis to ensure the property meets company and agency guidelines and that appraisal quality and completeness are acceptable.
• Collaborate with loan officers and operations staff to address loan conditions, questions, issues, and problem solve.
• Collaborate with management on counter offers and exceptions; issue denials, suspensions, and counteroffers.
• Maintain ongoing knowledge of company and agency guidelines, updates, and trends.
• Manage a pipeline and achieve production and turn-time standards set forth by management.
• Display mutual respect, trust, and dignity while acting in the best interest of the credit union and following all policies and procedures.
• Maintain and protect all sensitive data with confidentiality and professionalism.
• Willingly perform other job-related projects and duties as assigned; provide self-initiated support to team members when appropriate.
• Provide support, training, coaching, and mentoring as the subject-matter expert for the underwriting team to maintain organizational consistency.
• Assist in internal audits and external exams as applicable.
• Work with management on FHA and VA underwriting approval authority projects.

About You

• Demonstrates high accuracy and attention to detail.
• Effective written and oral communication skills.
• Proven ability to meet deadlines in a dynamic environment; adapt to changing priorities.
• Contributes positively to team morale and collaborates well with others.
• Strong interpersonal skills to relate professionally with peers and all levels of management.
• Ability to work both collaboratively in a diverse team and independently with minimal supervision.

Qualifications

• High school diploma or equivalent; specialized training/experience may be required.
• Minimum of five (5) years of relevant mortgage loan underwriting experience.
• Minimum of three (3) years’ experience with correspondent lending (desired).
• FHA DE or VA LAPP SAR (desired).
• Expert experience with loan origination software related to job functions.
• Proven success in maintaining monthly goals.
• Proficient with Microsoft Office Suite.
• Some travel required to achieve training and business objectives.

Our Team Member Value Proposition

• Competitive pay
• Medical, Dental, Vision, and Life Insurance
• 20 days per year of Paid Time Off plus 10 paid holidays
• 401(k) match
• Incentive program
• Tuition assistance and student loan repayment
• Commuter benefits
• Paid time off to volunteer in the community
• Product discounts
• Engaging work environment
• Rewards and recognition programs

Full Salary Range

Richland, WA: $34.60 - $57.67

Spokane, WA: $34.60 - $57.67

Note: While the full pay range is listed, most new team members typically start between the minimum and midpoint based on experience and qualifications. This approach provides room to grow within the role as your career progresses with us.

Get wise to what’s possible with a career at Gesa. We are an Equal Opportunity Employer and ensure reasonable accommodations are provided to participate in the application or interview process and to perform essential job functions. For accommodations, contact the HR Department at [phone] or [e-mail].

Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.

Selected candidate(s) must be able to pass a pre-employment credit/background check. Gesa Credit Union is an Equal Opportunity Employer and a strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.

Equal Employment Opportunity (gesa.com)