Mortgage Underwriter

American United Federal Credit Union•West Jordan, UT

2d•Hybrid

About The Position

American United Federal Credit Union is seeking an experienced, detail-oriented Mortgage Underwriter to join our lending team. Our mission is "We Help When Others Won't." That means looking beyond the numbers to understand each borrower's complete financial picture while making responsible lending decisions that protect both our members and the Credit Union. In this hybrid role, you will review and underwrite mortgage applications, maintain compliant and accurate loan files, and collaborate with borrowers, loan officers, management, and third-party vendors to move loans efficiently from application through closing.

Requirements

Experienced, detail-oriented Mortgage Underwriter
Ability to understand each borrower's complete financial picture
Ability to make responsible lending decisions
Ability to review and underwrite mortgage applications
Ability to maintain compliant and accurate loan files
Ability to collaborate with borrowers, loan officers, management, and third-party vendors
Ability to move loans efficiently from application through closing
Ability to analyze mortgage applications, credit histories, income, assets, debts, and other financial information to evaluate creditworthiness
Ability to make sound underwriting decisions in accordance with Credit Union guidelines, lending authority, and applicable regulations
Ability to review mortgage files for accuracy, completeness, and compliance before closing and funding
Ability to prepare and provide required disclosures and documentation to borrowers
Ability to maintain accurate loan records and document loan status throughout the process
Ability to communicate regularly with borrowers, loan officers, title companies, appraisers, notaries, and other partners
Ability to manage multiple loans and deadlines while maintaining accuracy and regulatory compliance
Ability to refer complex loans, exceptions, or requests outside assigned lending authority to management or the Consumer Loan Committee
Ability to work with the Audit Department to address findings and support compliance with federal and state mortgage-lending requirements
Ability to monitor regulatory and industry developments and complete required annual compliance training
Ability to review and help maintain mortgage procedures, checklists, and underwriting guidelines
Ability to provide timely, knowledgeable assistance to employees and other departments
Ability to consider each application fairly, including applications from borrowers with lower credit scores, limited income, fixed income, or previous denials from other financial institutions.

Responsibilities

Analyze mortgage applications, credit histories, income, assets, debts, and other financial information to evaluate creditworthiness.
Make sound underwriting decisions in accordance with Credit Union guidelines, lending authority, and applicable regulations.
Review mortgage files for accuracy, completeness, and compliance before closing and funding.
Prepare and provide required disclosures and documentation to borrowers.
Maintain accurate loan records and document loan status throughout the process.
Communicate regularly with borrowers, loan officers, title companies, appraisers, notaries, and other partners.
Manage multiple loans and deadlines while maintaining accuracy and regulatory compliance.
Refer complex loans, exceptions, or requests outside assigned lending authority to management or the Consumer Loan Committee.
Work with the Audit Department to address findings and support compliance with federal and state mortgage-lending requirements.
Monitor regulatory and industry developments and complete required annual compliance training.
Review and help maintain mortgage procedures, checklists, and underwriting guidelines.
Provide timely, knowledgeable assistance to employees and other departments.
Consider each application fairly, including applications from borrowers with lower credit scores, limited income, fixed income, or previous denials from other financial institutions.