Mortgage Underwriter

About the role

American United Federal Credit Union is seeking an experienced, detail‑oriented Mortgage Underwriter to join our lending team. This hybrid position involves reviewing and underwriting mortgage applications, maintaining compliant and accurate loan files, and collaborating with borrowers, loan officers, management, and third‑party vendors to move loans efficiently from application through closing.

• 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 those from borrowers with lower credit scores, limited or fixed income, or previous denials from other financial institutions.

About American United Federal Credit Union

American United Federal Credit Union is a member‑focused financial cooperative committed to helping individuals and families build stronger financial futures. Guided by the mission “We Help When Others Won’t,” the credit union serves its members, supports one another, and approaches lending opportunities with a focus on thoughtful decision‑making, regulatory responsibility, and genuine member service.

Equal Opportunity Employer

American United Federal Credit Union is an equal opportunity employer. We consider qualified applicants without regard to any legally protected characteristic and provide reasonable accommodations to qualified individuals with disabilities.