Sr. Home Loan Underwriter

About the role

Gesa Credit Union is dedicated to empowering its communities through service and commitment. As a team, we value each member's unique background and strive to make a positive impact.

Responsibilities

• Analyze income, credit, assets, and loan application according to company and agency underwriting guidelines to produce a sound credit decision
• Ensure compliance with TRID, Ability to Repay/Qualified Mortgage rules and other compliance regulations
• Ensure Loan Origination System reflects accurate loan data
• Perform a thorough analysis of collateral to ensure property meets company and agency guidelines and the appraisal quality and completeness is acceptable
• Work in tandem with loan officers and operations staff to address loan conditions, questions, issues, and problem solve
• Collaborate with management on counter offers and exceptions
• Issue denials, suspensions, and counteroffers
• Manage a pipeline and achieve production and turn-time standards set forth by management
• Display mutual respect, trust, and dignity, while acting in the best interest of the credit union following all policies and procedures as expected by management
• Lead by example by always displaying solid ethics and integrity
• Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism
• Willingly perform other job-related projects and duties as assigned, self-initiating assistance to team members when appropriate
• Support, train, coach, and mentor as the subject-matter expert for the underwriting team to maintain organizational consistency
• Aid in internal audits and external exams as applicable
• Work with management on FHA and VA UW approval authority projects

Requirements

• High school diploma; or equivalent completion of specialized course of study, training, and experience
• Minimum of five (5) years of relevant mortgage loan underwriting experience required
• Minimum of three (3) years’ experience with correspondent lending desired
• FHA DE or VA LAPP SAR desired
• Expert experience with loan origination software as it pertains to job functions
• Proven success maintaining monthly goals
• Proficient with standard Microsoft Office Suite
• Some travel is required to achieve training and business objectives

Qualifications

• Exhibited ability to perform with a high level of accuracy and attention to detail
• Proven ability to effectively communicate ideas and information both orally and in writing
• Demonstrated success in a deadline-driven environment: adapting to changes and prioritizing competing demands
• Established in consistently contributing to a positive moral of the team
• Consistently display interpersonal skills to relate effectively and professionally to peers and all levels of management
• Proven ability to work collaboratively in a diverse work group as well as independently with minimal supervision

Benefits

• Competitive Pay
• Medical, Dental, Vision, and Life Insurance
• 20 days/year of Paid Time Off – Plus 10 Paid Holidays!
• 401(k) Match Incentive Program
• Tuition Assistance and Student Loan Repayment
• Commute Benefits
• Paid Time Off to Volunteer in the Community
• Product Discounts
• Engaging Work Environment
• Rewards and Recognition Programs
• Full Salary Range: Richland, WA: $34.60- $57.67 Spokane, WA: $34.60- $57.67