Real Estate Portfolio Underwriter

Utah Community Credit Union (UCCU)•Provo, UT

3d•Onsite

About The Position

This role involves analyzing credit and collateral risk for portfolio loan products to support responsible lending decisions and protect the safety and soundness of the credit union. The underwriter will evaluate loan risks, identify compensating factors, and determine if loan requests meet established underwriting standards, procedures, and policy requirements. They will also present loan requests that exceed lending authority for approval, facilitate timely and efficient loan delivery, and ensure members receive prompt and professional service. Additionally, the role includes promoting appropriate loan products, partnering with and training loan officers, and ensuring members and prospective members are served with a focus on their financial needs.

Requirements

A two-year degree or equivalent work experience, with additional coursework in business or a related field preferred.
At least three years of loan officer or underwriting experience, ideally within consumer, residential, or home equity lending.
Understand financial statements, credit reports, tax returns, appraisals, and related financial documentation.
Apply sound knowledge of credit union loan services, policies, procedures, and required loan documentation.
Maintain awareness of applicable legal and regulatory standards that guide lending and underwriting decisions.
Analyze credit applications and related financial data with accuracy, consistency, and sound judgment.
Support safe lending practices that help maintain delinquency and write-off ratios in line with credit union objectives.
Prepare accurate, timely reports and documentation to support efficient lending and home equity operations.
Build strong working relationships with loan personnel, area teams, and management while providing support and guidance as needed.
Use related computer applications effectively to complete underwriting, documentation, reporting, and communication tasks.

Responsibilities

Analyze credit and collateral risk for portfolio loan products to support responsible lending decisions and protect the safety and soundness of the credit union.
Evaluate loan risks, identify compensating factors, and determine whether loan requests meet established underwriting standards, procedures, and policy requirements.
Present loan requests that exceed lending authority for approval in accordance with loan policy.
Facilitate timely, accurate, and efficient loan delivery while maintaining a positive experience for members and prospective members.
Ensure members and prospective members are served promptly, professionally, and with a focus on their financial needs.
Promote and recommend appropriate loan products and loan protection products based on member needs and eligibility.
Partner with and train loan officers and home equity officers to strengthen understanding of loan processes, products, underwriting expectations, and member experience standards.