Junior Mortgage Underwriter

MIDFLORIDA Credit Union•Lakeland, FL

3d•Onsite

About The Position

The Junior Mortgage Underwriter is responsible for underwriting first mortgage conventional loan applications in compliance with secondary market guidelines. This role supports the growth of MIDFLORIDA Mortgage Center by ensuring accurate and timely loan decisions, while providing guidance and mentorship to processing staff.

Requirements

High school diploma or equivalent is required.
Minimum 2 years of mortgage processing or related experience.
Strong knowledge of conventional mortgage products and lending regulations.
Excellent attention to detail and organizational skills.
Analytical thinking and problem-solving skills.
Ability to communicate effectively and work collaboratively in a team environment.
Ability to work in a fast-paced environment and meet deadlines.

Responsibilities

Review loan files for completeness and accuracy.
Verify borrower documentation, including income, assets, credit, and property details.
Assist in evaluating risk and determining eligibility based on program guidelines.
Utilize Automated Underwriting Systems (AUS) such as DU and LP.
Communicate with loan processors and originators to obtain missing documentation.
Maintain compliance with federal, state, and investor regulations.
Prepare files for final underwriting approval.
Participate in training sessions to enhance underwriting knowledge.
Serve as backup for other underwriters as needed.
Perform other duties as assigned.

Benefits

Stability
Opportunity for growth
Paid time off
Paid Holidays
Tuition assistance after 6 months of service
401K Plan with Employer Matching
Health, Dental, and Vision Insurance - Generous and affordable plans for employee and family
Employee Assistance Program- No waiting period to access benefit.
Bonus programs and annual appraisals with salary increase opportunities.

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