Senior Mortgage Underwriter

About the role

The Senior Mortgage Underwriter at VyStar Credit Union is responsible for evaluating various types of mortgage loan applications, including conventional (Fannie Mae and Freddie Mac), FHA, VA, equity, construction-to-perm, renovation-to-perm, and specialty programs. This role requires a strong understanding of residential underwriting standards and the ability to ensure loans meet agency requirements for soundness, salability, and insurability.

Responsibilities

• Review loan files to determine compliance with lender and government guidelines.
• Validate borrower(s)’ income, credit, asset documentation, and title and fraud reports.
• Analyze loan files to determine creditworthiness of borrowers.
• Prioritize and manage files among new submissions, documents, and funding.
• Work as a team with loan officers and other professionals to ensure file completeness.
• Review government appraisals to ensure the value of the property is accurately presented.
• Maintain production standard goals as established by management.
• Be proactive in researching general underwriting scenarios and guidelines to stay updated.
• Consistently adhere to VyStar core values and Code of Ethics.
• Provide service to the membership, Credit Union employees, and third-party vendors.
• Identify and make recommendations to Mortgage Underwriting Supervisor, AVP Mortgage Underwriting, and VP Mortgage Credit regarding process improvements, quality service, and increased efficiencies within the processing unit.
• Perform other duties as assigned.

Requirements

• High School Diploma or GED.
• Bachelor’s degree preferred.
• Active Direct Endorsement (DE) and Computerized Homes Underwriting Managements Systems (CHUMS).
• Active in the VA Lender Appraisal Processing Program (LAPP) and certified as a Staff Appraisal Reviewer (SAR) Underwriter for VA loans.
• 5+ years of experience in a mortgage underwriting role, including conventional (Fannie Mae and Freddie Mac), FHA, VA, Equity, Construction-to-Perm, Renovation-to-Perm, and specialty program underwriting.

Qualifications

• Strong analytical and decision-making/problem-solving skills.
• Strong working knowledge of ATR/QM (Ability to Repay/Qualified Mortgage Rules) requirements.
• Experience with Loan Origination System (LOS).
• Well versed in state and federal regulations governing mortgage origination, secondary market selling guidelines, and private mortgage insurance requirements.
• Detailed orientation and self-motivation to complete assigned files in a timely and accurate manner.
• Effective communication skills, both written and verbal, and detail-oriented.
• Proven ability to work in a fast-paced environment.
• Intermediate technical skills within the Microsoft Office suite (PowerPoint, Word, Excel, and Outlook).

Skills

• Strong analytical and decision-making/problem-solving skills.
• Strong working knowledge of ATR/QM (Ability to Repay/Qualified Mortgage Rules) requirements.
• Experience with Loan Origination System (LOS).
• Well versed in state and federal regulations governing mortgage origination, secondary market selling guidelines, and private mortgage insurance requirements.
• Detailed orientation and self-motivation to complete assigned files in a timely and accurate manner.
• Effective communication skills, both written and verbal, and detail-oriented.
• Proven ability to work in a fast-paced environment.
• Intermediate technical skills within the Microsoft Office suite (PowerPoint, Word, Excel, and Outlook).

Benefits

At VyStar, we offer an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement—available to all full and part-time employees.

Pay

Part time positions start at a minimum of 30 hours per week.

Schedule

Part time positions start at a minimum of 30 hours per week.

Qualifications

• High School Diploma or GED.
• Bachelor’s degree preferred.
• Active Direct Endorsement (DE) and Computerized Homes Underwriting Managements Systems (CHUMS).
• Active in the VA Lender Appraisal Processing Program (LAPP) and certified as a Staff Appraisal Reviewer (SAR) Underwriter for VA loans.
• 5+ years of experience in a mortgage underwriting role, including conventional (Fannie Mae and Freddie Mac), FHA, VA, Equity, Construction-to-Perm, Renovation-to-Perm, and specialty program underwriting.