TPO Mortgage Equity Underwriter II

First Technology Federal Credit Union • Hillsboro, OR

12h • Onsite

About The Position

The TPO Mortgage Equity Underwriter II evaluates mortgage and home equity loan applications up to $500K, within credit union guidelines with the goal of minimizing risk or loss to the credit union. This role balances risk management with production goals while partnering with loan officers to deliver timely, high-quality underwriting decisions.

Requirements

• Minimum 2 years’ mortgage underwriting experience
• Familiar with standard practices for reviewing and analyzing self-employment and rental income documentation
• Strong analytical and problem-solving skills; ability to resolve complex issues with minimal direction
• Excellent verbal and written communication skills; able to express ideas concisely and logically
• Ability to balance productivity and speed to meet service levels with quality underwriting
• Working knowledge of investor and industry standard underwriting concepts, practices, guidelines and procedures
• Familiarity with loan origination software is preferred
• Working knowledge of Microsoft Office Suite

Responsibilities

• Review and verify the accuracy of collateral details, down payment, employment profile, credit strength and all other pertinent loan documentation and information
• Approve or reject loan applications based on internal and investor guidelines
• Recognize, structure, present and approve additional loan opportunities to maximize Partner Loan Officer benefits
• Provide risk guidance to loan officers, processors and management on loan scenarios and respond to underwriting questions
• Provide adverse actions according to relevant regulatory loan guidelines
• Managing & responding to Partner Loan Officer UW inquires on loan scenario & TPO guidelines
• One-off self-employment reviews

Benefits

• Traditional medical, dental, and vision coverage
• 401K matching up to 5% per pay period
• Paid Time Off: You’ll accrue up to 15 vacation days in your first year. In addition, you’ll receive 40 hours of sick time and 3 personal days, which refresh annually
• 11 paid federal holidays
• Special employee pricing on lending products such as mortgage, auto, and personal loans (eligibility for special employee pricing is subject to standard account requirements and underwriting criteria)

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED