What are the responsibilities and job description for the Mortgage Underwriter position at Utilities Employees Credit Union?
Utilities Employees Credit Union - UECU
Mortgage Lender
***This role is focused on Underwriting - Please read position summary.
Hybrid Work Schedule
Position Summary
Utilities Employees Credit Union (UECU) is committed to providing exceptional financial services and a positive member experience. This hybrid position offers a balance of on-site collaboration and remote flexibility.
The Mortgage Underwriter is responsible for evaluating, analyzing, and approving residential mortgage applications in accordance with established policies, regulatory requirements, and lending authority limits. This role focuses on assessing credit risk, interpreting complex financial information, and ensuring accurate, consistent, and compliant lending decisions while addressing member needs.
The Mortgage Underwriter partners closely with the Lending Manager and cross-functional teams to facilitate efficient mortgage processing from application through closing. This position also supports overall lending operations, including compliance initiatives, product development, and workflow improvements. The role requires strong attention to detail, sound judgment, and the ability to balance risk management with a high level of member service through effective communication and appropriate lending solutions.
This position typically requires a minimum of three years of mortgage underwriting experience and at least five years of experience in real estate and consumer lending, with a strong working knowledge of lending regulations, secondary market standards, and credit analysis.
Offers of employment are contingent upon passing pre-employment screenings which consist of drug test, background check, and credit check.