Mortgage Underwriter

FLORIDA CREDIT UNION • Gainesville, FL

2d • Onsite

About The Position

This role involves underwriting a variety of loans, with a primary focus on real estate, and providing member service through various loan channels. Key responsibilities include evaluating loan applications, understanding and applying underwriting guidelines, and communicating with the mortgage team. The position also requires educating members on financial management, cross-selling credit union services, and ensuring compliance with relevant regulations.

Requirements

• High school diploma or GED.
• One to three years’ related experience and/or training.
• Any equivalent combination of education and experience in a business/financial environment.
• A current driver’s license.

Responsibilities

• Underwrite real estate mortgage loans, home equity, direct, indirect, and consumer loans, Business loans including business loans under 50K or less, with a primary focus on real estate underwriting.
• Discussing loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit a positive response from the member.
• Cross-selling credit union services; providing information regarding services and some counseling as necessary.
• Conducting loan interviews and obtaining previous credit history of member, as well as other pertinent data that could be used later.
• Establishes loans considering such factors as member’s assets, liabilities, credit experience, and references based on FCU loan procedures.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED
• Number of Employees: 251-500 employees