Mortgage Underwriter - Fargo

First Community Credit Union • Fargo, ND

10h

About The Position

The Mortgage Underwriter plays a critical role in advancing FCCU's mission of strengthening communities by helping members grow and thrive. This position is responsible for evaluating and underwriting residential mortgage loan requests, ensuring each loan is sound, compliant, and aligned with Credit Union policies and regulatory requirements. Through careful analysis of financial documentation and timely decision-making, the Mortgage Underwriter helps deliver a smooth, efficient lending experience for members while supporting the Credit Union's commitment to responsible lending and secondary market success. Beyond technical expertise, this role is centered on collaboration, accuracy, and service. The Mortgage Underwriter works closely with loan officers, branches, and external partners to communicate underwriting decisions, identify conditions, and ensure loan files are complete and compliant from application through closing. Ideal candidates are analytical, detail-oriented, and thrive in a fast-paced environment where precision and deadlines matter. If you are passionate about mortgage lending, enjoy problem-solving, and take pride in contributing to financial solutions that help members achieve homeownership, this role offers a meaningful opportunity to make an impact.

Requirements

• Bachelor's degree in business or related field or comparable work experience
• Three years' experience with mortgage lending, processing, or underwriting
• Comprehensive knowledge of federal and state regulations and laws as they pertain to mortgage lending
• Ability to communication, both written and verbal
• Detail-oriented and able to prepare clear and concise reports
• Perform mathematical calculations and work accurately with numbers

Responsibilities

• Review and underwrite mortgage loan files in a timely manner to ensure compliance with credit union policies, loan program guidelines, and regulatory requirements.
• Analyze borrower credit, income, assets, appraisals, and supporting documentation to determine loan eligibility and risk.
• Communicate underwriting decisions clearly and professionally, providing conditions and guidance to lending staff as needed.
• Ensure accuracy and completeness of loan documentation, including insurance, title work, and legal descriptions, prior to closing.
• Submit and manage loan files through automated underwriting systems and secondary market or agency programs (e.g., USDA, NDHFA).
• Maintain strong working knowledge of mortgage loan products, underwriting standards, and regulatory requirements while supporting internal teams and member service.

Benefits

• We provide a great benefits package that includes 11 paid federal holidays, 401k match, fully paid single medical, dental and vision and much more.
• While we know benefits are highly important, we also recognize and support the value of a family and work life balance.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level