Home Loan Underwriting - Sr Home Loan Gov Underwriter

Golden 1 Credit Union•Sacramento, CA

7d•Remote

About The Position

Golden 1 Credit Union is seeking a detail-oriented mortgage underwriting professional with deep expertise in FHA, VA, USDA, and other government-backed loan programs. The ideal candidate excels at analyzing complex financial and property documentation, making sound credit decisions, and ensuring compliance with agency, investor, regulatory, and credit union requirements. This role requires strong problem-solving, communication, and loan structuring skills, with the ability to partner effectively with lending teams to deliver timely, accurate decisions while supporting an exceptional member experience.

Requirements

3+ years current FHA experience with DE, VA experience with LAPP/ SAR designation required
10+ years responsible real estate lending experience with a financial or banking institution performing underwriting analysis and functions required

Nice To Haves

College degree or equivalent preferred

Responsibilities

Underwrite loan files received daily according to Federal Housing Administration (FHA), Veteran Affairs (VA), US Department of Agriculture (USDA), agency, investor and credit union policy and procedures.
Originate and validate FHA and VA insured loans utilizing the U.S. Department of Housing and Urban Development’s (HUD) direct online system, FHA Connection and VA Portal, as applicable.
Review and sign off underwriting conditions in accordance to credit union policy while maintaining established turn times.
Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
Maintain current knowledge of FHA, VA and USDA secondary market requirements regarding credit, income, disclosure and property that would also include, hands on experience using various agency related internet and computer based systems as necessary/required.
Analyze tax returns, credit and appraisal reports, fraud detection and other property or income related reports and documentation to insure that information meets agency, investor and credit union requirements.
Organize and prioritize daily workload to insure compliance to credit union policy, procedures and established turnaround times.
Communicate and interact with all pertinent vendors, servicers, agencies, investors, staff, brokers and members.
Maintain a current working knowledge of mortgage industry and credit union standards and trends.
Monitor and resolve any quality control or insuring issues on relevant files in a timely manner to prevent delays.
Work with management to implement procedures to prioritize work within the underwriting and processing area as volume dictates.
Work closely with originations and operations staff to insure compliance with guidelines and policies of credit union and agency.
Assist supervisor or manager with training of staff members.
Assist supervisor or manager with prioritizing workflow as directed.