Real Estate Underwriter

Major Duties and Essential Functions

• Completes any other job-related duties needed that reinforce Texans Credit Union’s EPIC values, traits, and behaviors.
• Provide excellent member service and develops relationships with internal and external members.
• Analyze loan applications and supporting documentation to assess creditworthiness and risk.
• Perform basic to moderately complex income calculations, asset verification, and credit analysis.
• Review appraisals, collateral, and title documentation for completeness and adherence to policy.
• Apply underwriting guidelines in compliance with federal regulations (e.g., TRID, Dodd-Frank) and Texas Home Equity laws.
• Underwrite loans in an AUS environment and/or with guidance from senior underwriters.
• Maintain service level expectations, including timely loan decisioning within defined turnaround times.
• Communicate loan decisions clearly and professionally to internal partners and stakeholders.
• Partner with processors, loan officers, and senior underwriters to resolve documentation and underwriting conditions.
• Participate in team meetings, training sessions, and continuous improvement initiatives.
• Assist with reports, data tracking, and departmental projects as assigned.
• Promote credit union products and services aligned with member needs.
• Perform other duties as assigned to support departmental and organizational goals.

Specific knowledge, skills, and abilities required for this position

• Foundational knowledge of residential mortgage and home equity products
• Basic understanding of underwriting guidelines and credit risk evaluation
• Knowledge of applicable regulations (Truth-in-Lending, ECOA, FCRA, TRID, Dodd-Frank)
• Strong attention to detail and ability to manage multiple files simultaneously
• Effective written and verbal communication skills
• Ability to learn underwriting judgment and decision-making skills
• Customer-focused mindset with strong interpersonal skills

Education

• Bachelor’s degree in finance, Business, Economics, or related field preferred.

Experience

• Minimum of 3 years of mortgage lending experience, with underwriting support, or credit analysis experience, Direct Endorsement and SAR certification preferred.