Mortgage Underwriter
About The Position
Forest Area FCU is seeking an experienced Mortgage Underwriter to play a critical role in the strength and success of our mortgage lending portfolio. This position is ideal for a confident, detail-driven professional who brings strong credit judgment, regulatory expertise, and leadership experience to the table. As Mortgage Underwriter, you will evaluate and approve real estate loans, oversee mortgage operations, supervise processing and servicing staff, and ensure compliance with all credit union policies and federal and state regulations. You will also serve as a key resource to lending staff, balancing sound risk management with competitive, member-focused lending decisions.
Requirements
- Strong working knowledge of mortgage underwriting, credit analysis, and risk evaluation
- Ability to interpret credit reports, identify trends, and verify supporting documentation
- In-depth understanding of mortgage regulations (CFPB, RESPA, Fair Lending, NCUA, etc.)
- Experience supervising or leading mortgage processing or servicing staff
- Ability to balance policy adherence with sound judgment for appropriate exceptions
- High level of accuracy, organization, and ability to manage multiple priorities
- Strong communication skills and a collaborative leadership style
Responsibilities
- Underwrite and decision residential mortgage loan applications by analyzing credit, income, assets, collateral, and risk trends
- Structure and price mortgage loans to remain competitive while ensuring compliance
- Review loan files for quality, accuracy, and regulatory adherence
- Provide clear communication to lending staff regarding approvals, denials, and conditions
- Supervise mortgage loan processing and servicing staff to ensure accuracy and compliance
- Oversee the mortgage lending portfolio, including vendor relationships and core systems
- Sell mortgage loans on the secondary market to approved investors
- Review closing documentation and issue “clear to close” approvals
- Collaborate with auditors, compliance, and legal teams to meet NCUA and regulatory standards
- Assist with policy development, procedure updates, and staff training
- Monitor loan performance and review non-performing loans for continuous improvement
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
