Underwriter II

Member First Mortgage is seeking an experienced and detail-oriented Underwriter to join our growing team! In this role, you will be responsible for reviewing residential mortgage loan applications and making sound underwriting decisions in accordance with investor, company, and regulatory guidelines. The ideal candidate will have a minimum of five years of underwriting experience and must have actively worked as a mortgage underwriter within the past two years. This position requires strong analytical skills, sound judgment, consistency in decision-making, and a commitment to delivering exceptional service to our credit union partners and members. The successful candidate is a collaborative team player who thrives in a fast-paced environment while maintaining a high level of accuracy and attention to detail. Founded on the credit union philosophy of “People Helping People,” Member First Mortgage provides full-service mortgage solutions to over 200 credit unions nationwide. Our commitment to honesty, integrity, and exceptional service creates a supportive, collaborative, and rewarding workplace. Benefits We Offer: Generous and competitive healthcare packagesEmployer paid short-term and long-term disabilityEmployer paid Life Insurance100% Employer paid Vision401K Plan with match20 days PTO - no waiting periods!Fun and collaborative team environment Responsibilities: Analyze mortgage loan applications to determine borrower eligibility and creditworthinessReview income, assets, credit history, and liabilities to ensure compliance with underwriting guidelinesInvestigate derogatory credit and evaluate compensating factors when appropriateAssess a borrower's ability to meet financial obligations and satisfy loan requirementsReview appraisals and supporting documentation to ensure property values are adequately supportedAnalyze comparable sales and identify potential collateral risksEstablish conditions for repairs, inspections, or additional documentation when necessaryEvaluate collateral quality and overall loan riskApprove, suspend, or deny mortgage loan applications based on investor and company guidelinesClearly document underwriting decisions and loan conditionsRequest additional documentation or clarification when neededEnsure all loan decisions are consistent, accurate, and well-supportedComplete underwriting activities in accordance with FHA, VA, Conventional, and applicable investor requirementsMaintain current knowledge of underwriting policies, regulatory requirements, and program updatesAssist with investor reviews, quality control audits, and post-closing inquiriesVerify all documentation is complete and lending conditions are satisfied prior to closingCommunicate effectively with processors, closers, management, and other departments regarding loan conditions and file statusProvide guidance on complex loan scenarios and underwriting questionsMaintain strong working relationships with internal teams and credit union partnersParticipate in process improvement initiatives and other projects as assigned Qualifications Bachelor's degree preferred, or equivalent industry certifications and experienceMinimum of 5 years of mortgage underwriting experience requiredMust have actively worked as a Mortgage Underwriter within the past 2 yearsExperience underwriting FHA, VA, and Conventional loans requiredExperience with RD, Condo, Jumbo, or Construction loans preferredComprehensive understanding of FHA, VA, and Conventional underwriting guidelinesWorking knowledge of financial statements, tax returns, credit reports, and appraisalsStrong analytical and decision-making skillsExcellent attention to detail and commitment to accuracyConsistent and sound underwriting judgmentStrong organizational and time management skillsAbility to prioritize workload and meet deadlines in a fast-paced environmentExcellent verbal and written communication skillsTeam-oriented mindset with the ability to work independentlyProficiency in Microsoft Excel, Outlook, and other business applications If you are looking for a company that is dedicated to your success and is ethically motivated to provide exceptional member service, we encourage you to apply!