Mortgage Loan Underwriter

Consumers Credit Union•Kalamazoo, MI

22h

About The Position

The Consumers Credit Union team is looking to hire a passionate Mortgage Loan Underwriter to join our team. As a Mortgage Loan Underwriter, you will be responsible for approving mortgage loans, following credit union standards. Our ideal candidate has 2-3 years of experience, a thorough knowledge of underwriting process and procedures, experience with Emcompass, and can consistently demonstrate strong logic and reasoning skills. As an employee of Consumers Credit Union, you're genuine and passionate. You are purposeful and like to be the solution, but more importantly, you are a servant leader. At Consumers, you're joining a team that works closely together and counts on one another. You'll find the people here enjoy an unusual high level of camaraderie.

Requirements

2-3 years of experience
Thorough knowledge of underwriting process and procedures
Experience with Emcompass
Consistently demonstrate strong logic and reasoning skills
Bachelor’s degree or 2-3 years equivalent work experience
Previous experience and demonstrated success in residential mortgage loan underwriting required
Strong knowledge of secondary marketing investor and credit union standards
Strong knowledge of appraisal review criteria

Responsibilities

Review and evaluate information on mortgage loan documents to determine if borrower, property and loan conditions meet investor and credit union standards.
Utilize automated underwriting systems to underwrite mortgage loan files according to established lending standards for FNMA, FHLMC, and Credit Union policy and procedures
Ability to apply knowledge and judgement to detailed loan analysis in order to offer effective underwriting alternatives for the member/borrowers.
Has the authority to request any additional information prior to making credit decisions.
Performs detailed underwriting review of property appraisals in compliance with credit union policy, investor guidelines and regulatory requirements to ensure adequate collateral for the loan. Appraisals will be run through Collateral Underwriter as well to ensure they meet quality standards.
Comply with all internal lending authority requirements as published.
Work effectively in all mortgage loan origination and automated underwriting systems.
Assist in any area as directed by your supervisor

Benefits

Health insurance plan
Dental plans
Vision plans
401(k) plan with 100 percent match up to the first 10 percent of contribution following 60 days of employment
Generous paid time off
Paid gym memberships
In-house training
Wellness programs
Life coaches
Tuition reimbursement
Loan discounts