Mortgage Loan Underwriter

Dupont Community Credit Union•Waynesboro, VA

2d•Onsite

About The Position

DuPont Community Credit Union (DCCU) is currently seeking qualified candidates for a Mortgage Underwriter role to join a team of dedicated Mortgage Operations professionals. Please note this is an on-site position located in Waynesboro, VA and currently does not offer the opportunity for remote work. What You’ll have the Opportunity to do: Underwrite portfolio and conventional loans in accordance with DCCU and investor requirements. Communicate underwriting decision to Mortgage Advisor Communicate with investor and MI company contacts for underwriting questions Review appraisal and complete review checklists to ensure subject property conforms to investor standards Counteroffer within DCCU and investor guidelines, using all tools available, when applicable Analyze self-employed income according to investor methods and standards Issue clear to close, ensuring closed loans meet all investor eligibility criteria prior to closing. Assist Mortgage Operations leader with training Processors and new Underwriters Assist with the maintenance of underwriting guidelines and manuals to ensure that changes and updates are effectively communicated to mortgage lending staff Responsible for Pre-funding and Post-closing QC Responsible for the partial release process for first mortgages and HELOCs Responsible for managing the release of liability process Provide courteous and prompt support to DCCU internal and external members Required to attend or participate in necessary compliance training, including but not limited to Bank Secrecy Act, OFAC, and Privacy Perform other duties as assigned by Mortgage Operations leader What You Bring to the Table: A High School Diploma or equivalent, bachelor’s degree preferred 2-3 years of secondary market underwriting experience, preferred Ability to understand and apply Real Estate regulations appropriately (MDIA, RESPA, TILA, Reg B, et. al.) Must be eligible to register with the Nationwide Mortgage Licensing System and Registry (NMLS) and must maintain registration Strong organizational skills Computer literacy/skills, w. experience in Word & Excel Critical thinking skills Strong mathematical and analytical skills High level of professionalism Thorough understanding of DCCU philosophy What We Bring to the Table Meaningful work that is highly impactful to the membership and community Opportunities for development and career growth Access to a competitive salary and benefits, including health insurance and retirement plans Excellent working conditions, work hours, and work-life balance Community involvement opportunities Who We Are Founded in 1959, DCCU is a financial leader in the Shenandoah Valley, currently serving over 123,000 members, with over $2 Billion in Assets. At DCCU, we go beyond transactions and truly want to help our members achieve financial success by aligning them with the right products and services to help make a difference in their lives. This is a great opportunity to join a well-respected and growing financial institution offering meaningful work that impacts our community. Qualified individuals should apply on-line only by Tuesday, April 21, 2026. On-line applications/resumes can be submitted by visiting www.mydccu.com [http://www.mydccu.com]. Follow the careers link on the homepage. At DuPont Community Credit Union our goal is to be a diverse workforce that is representative, at all job levels, of the community we serve. We are an equal opportunity/affirmative action employer. All qualified applicants are encouraged to apply and will receive consideration for employment without regard to sex, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law.

Requirements

A High School Diploma or equivalent, bachelor’s degree preferred
2-3 years of secondary market underwriting experience, preferred
Ability to understand and apply Real Estate regulations appropriately (MDIA, RESPA, TILA, Reg B, et. al.)
Must be eligible to register with the Nationwide Mortgage Licensing System and Registry (NMLS) and must maintain registration
Strong organizational skills
Computer literacy/skills, w. experience in Word & Excel
Critical thinking skills
Strong mathematical and analytical skills
High level of professionalism
Thorough understanding of DCCU philosophy

Responsibilities

Underwrite portfolio and conventional loans in accordance with DCCU and investor requirements.
Communicate underwriting decision to Mortgage Advisor
Communicate with investor and MI company contacts for underwriting questions
Review appraisal and complete review checklists to ensure subject property conforms to investor standards
Counteroffer within DCCU and investor guidelines, using all tools available, when applicable
Analyze self-employed income according to investor methods and standards
Issue clear to close, ensuring closed loans meet all investor eligibility criteria prior to closing.
Assist Mortgage Operations leader with training Processors and new Underwriters
Assist with the maintenance of underwriting guidelines and manuals to ensure that changes and updates are effectively communicated to mortgage lending staff
Responsible for Pre-funding and Post-closing QC
Responsible for the partial release process for first mortgages and HELOCs
Responsible for managing the release of liability process
Provide courteous and prompt support to DCCU internal and external members
Required to attend or participate in necessary compliance training, including but not limited to Bank Secrecy Act, OFAC, and Privacy
Perform other duties as assigned by Mortgage Operations leader

Benefits

Meaningful work that is highly impactful to the membership and community
Opportunities for development and career growth
Access to a competitive salary and benefits, including health insurance and retirement plans
Excellent working conditions, work hours, and work-life balance
Community involvement opportunities

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