Underwriter - Mortgage Loan 3

Essential Duties and Responsibilities:

1. Analyze complex and diversified credit, assets, income and property documentation to confirm compliance with guidelines.

2. Approve/Deny loans based on HMDA including conventional and portfolio mortgage products.

3. Analyzes and calculates SEB for Schedule C. 1065, 1120, 1120S

4. Strong working knowledge of FNMA, FHA, and VA loans. FHA/ VA underwriting designations required.

Job Description

Evaluate all aspects of loan application for portfolio, conventional, and FHA/VA, as well as non-conforming and self employed loans to determine approval or denial based on risk, investor guidelines, government regulations and other applicable risk specific to the loan program.

Job Profile Summary

Minimum Qualifications:

• Education: High School Diploma or equivalent experience.
• Experience: 3-5 yrs. Mortgage Processing experience along with 2-3 years experience evaluating/ underwriting conventional mortgage loans required.

Knowledge, Skills, and Abilities:

• Knowledge of the underwriting process and applicable criteria, guidelines, and regulations.
• Strong organizational, planning, and time management skills
• Analytical and problem solving
• Ability to communicate effective both verbally and in writing.
• Passion for accuracy. Substantial ability to prioritize tasks and problem solve for solutions.
• Ability to work in fast paced, constantly changing environment.
• Ability to think strategically and act without being prompted.
• Strong desire to be a part of a collaborative, team-first environment
• Passion for providing best-in-class member service
• Strong desire to learn and has a continuous improvement mindset.

Physical Demands and Work Environment:

(The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform essential functions of this position and/or may be encountered while performing essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

• While performing the essential duties of this position, an employee would frequently be required to stand, walk, and sit. An employee must frequently lift and/or move up to 10 pounds and may occasionally lift and/or move up to 25 pounds to perform essential position functions.
• Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus. The noise level in the work environment is usually moderate.

Disclaimer

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.

Texas Dow Employees Credit Union is an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, protected veteran status, sex, religion, disability, genetic information, national origin or other status protected by federal, state or local law. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.