Real Estate Portfolio Underwriter

Love Where You Work•Provo, UT

2d•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 and facilitate timely, accurate, and efficient loan delivery while maintaining a positive member experience. The position requires promoting and recommending appropriate loan products and protection products, and partnering with and training loan officers to strengthen understanding of loan processes, products, underwriting expectations, and member experience standards.

Requirements

A two-year degree or equivalent work experience.
At least three years of loan officer or underwriting experience, ideally within consumer, residential, or home equity lending.
Understanding of financial statements, credit reports, tax returns, appraisals, and related financial documentation.
Sound knowledge of credit union loan services, policies, procedures, and required loan documentation.
Awareness of applicable legal and regulatory standards that guide lending and underwriting decisions.
Ability to 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.
Ability to prepare accurate, timely reports and documentation to support efficient lending and home equity operations.
Ability to build strong working relationships with loan personnel, area teams, and management while providing support and guidance as needed.
Effective use of related computer applications to complete underwriting, documentation, reporting, and communication tasks.
Knowledge of underwriting requirements, software applications, economic conditions, and legal or regulatory changes remains current and is applied effectively in daily work.

Nice To Haves

Additional coursework in business or a related field preferred.

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.
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.
Cross-sell credit union services professionally and appropriately based on member needs.
Complete assigned duties, special projects, and area support needs reliably, including maintaining a clean, secure, and well-organized work area and working a regular, predictable schedule.