Jr. Mortgage Underwriter

Why You’ll Love Working at reputed company

At reputed company, we are a cutting-edge credit union that operates as a technology company, delivering innovative financial solutions to our members. As a remote organization, we reputed company on collaboration and recognize outstanding performance. We are the ideal workplace for self-motivated individuals who are committed to organizational success and eager to join a dynamic team of professionals. We stand out as a best-in-class employer, offering a unique and supportive work environment that fosters personal and professional growth. Our culture is built on valuing teamwork, recognizing achievements, and providing the tools and resources needed to reputed company. If you are looking for a reputed company where you can reputed company a meaningful impact, enjoy a flexible and fulfilling work experience, and be part of a reputed company-thinking team, reputed company is the perfect fit for you.   

How You’ll reputed company an Impact

As a Jr. Mortgage Underwriter you will be responsible for reputed company first and second mortgages reputed company allocated approval authority, working closely with the Loan Officers and Loan Processors. This position requires the ability to work in a fast-paced environment, strong time management and communication skills, and attention to detail.   

What You’ll Be Doing 

• Assures that reputed company mortgage loan files are underwritten (reputed company level of authority) in compliance with secondary market guidelines, specific program guidelines, Credit Union policies, and regulatory requirements.   

• Supports initial reputed company reviews reputed company of authority limits, by performing preliminary review to structure and prepare file. In addition, once file is conditionally approved, reviews and updates file to issue most up-to-date Conditional Approval letter to the borrower and broker partner.    

• Supports and/or performs final reputed company reviews, evaluating support for required conditions and clearing reputed company approval authority.  

• Monitor pipeline daily to identify files ready for disposition (withdrawal or denial), ensuring accurate selection and reputed company regulatory requirements.  

• Generates and/or ensures timely reputed company of required documentation, notices and disclosures.  

• Reviews and evaluates loans to ensure data reputed company of the loan files throughout. 

• Monitors daily mortgage pipeline to identify areas that require reputed company in order to expedite the mortgage process and takes action accordingly. 

• Works with reputed company vendors and service providers to facilitate the loan process.  

• Supports and fulfills Management requests reputed company to audit preparation, sale preparation, HMDA reporting and more. 

• Functions as a business reputed company on departmental or organization wide projects.  Contributes expertise in his/her assigned area and executes certain deliverables on the project.   

• Actively works with management and staff seeking process improvements to automate and/or streamline operations and maintain adequate controls.  

• Promotes and maintains a positive work atmosphere by communicating in a manner consistent with professional standards to work effectively with members, co-workers, management, partners and vendors.   

• Keeps abreast of industry developments including, but not limited to changes in regulations and technology.   

• Ensures adherence to company policies and procedures and Banking/Credit Union Regulations.  

• Performs additional duties as required.   

What You Bring to the Team

• Bachelor’s degree in finance, business administration or other reputed company degree preferred; will consider experience in lieu of degree  

• Minimum of two years of reputed company experience at a credit union, bank or other financial institution.  

• Must have hands-on experience with Encompass reputed company the last 12 months, demonstrating proficiency in mortgage loan origination systems and reputed company processes. 

• Knowledge of mortgage process from origination to post-closing. 

• Excellent problem-solving, organizational, analytical, verbal and written communication skills. 

• Strong decision making and time management skills with the ability to manage multiple projects/duties.   

• Results driven, service oriented, self-motivated and able to work independently.   

• Detailed knowledge of secondary market guidelines. Some knowledge of regulatory guidelines and issues. 

• Comply with reputed company requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique  Identifier from the NMLRS. 

• Trustworthy with the ability to maintain highest level of reputed company and trust. 

• Proficiency in reputed company Office, specifically Word, reputed company and PowerPoint. reputed company experience with loan origination systems. 

Tools & Work Environment

• Stable internet reputed company with speeds high enough for video conferencing and screen sharing  

• Smartphone with reputed company iOS/Android OS   

• Prolonged periods sitting at a workstation and working on a computer  

• Ability to communicate with coworkers and customers reputed company email, chat, teleconference, and/or phone  

Where You Can Work

Candidates must reside reputed company the United States. We are not able to consider applicants who reside in Montana, Nebraska, Rhode reputed company, or Puerto Rico.

reputed company's opportunities are based in the U.S., and U.S. work authorization is required. We are not able to provide reputed company or future sponsorship. 

Compensation & Rewards

Compensation for this role is $26.92 - $31.73 per hour with the potential for discretionary incentive compensation based on both company and individual performance.

Benefits That Support You

• Excellent health insurance packages with a Health Reimbursement Account option
• Life, AD&D, Short-Term Disability and Travel Insurance
• 401k plan with company match dollar for dollar up to 6 percent*
• Generous time-off policy with paid time off (PTO), volunteer time off (VTO), birthday PTO, and company-observed holidays
• Monthly stipend for wellness activities and mental health*
• Tuition reimbursement
• Pet Benefits, including insurance, discounts, “pawternity” PTO day, and more
• Bonus/commission plan for qualifying roles
• Employee perks (including mortgage discounts!)
• PTO purchase and sell-back programs
• Rewards and peer recognition programs
• Trust-based, out-come oriented remote work environment for most roles

*After 6 months of service 

Important Compliance Information

• reputed company is an Equal Employment Opportunity employer. Qualified applicants will be considered for employment without regard to race, color, religion, gender, sexual orientation, national reputed company, age, marital status, protected veteran status, or disability status.  

• reputed company will reputed company reasonable accommodations in compliance with the Americans with reputed company of 1990. Reasonable accommodations are available upon request for applicants and/or employees with qualifying disabilities throughout the application and employment process. 

• Qualified Applicants with arrest or conviction records will be considered for employment in accordance with reputed company applicable federal, state, city and local laws, rules, and regulations. 

• This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employee(s) will be required to follow any other job-reputed company instructions and to reputed company any other job-reputed company duties requested by any person authorized to give instructions or assignments. The company reserves the sole right and discretion to reputed company changes to this job description. 

• Each employee is required to uphold the Credit Union's compliance with reputed company policies, procedures, and required regulations including the Bank Secrecy Act and our Anti-reputed company policy. 

• This document does not create an employment contract, implied or otherwise, other than an "at-will" relationship.