Mortgage Underwriter

Mortgage Underwriter (GPO/WCC/HQ)Evaluate and underwrite all mortgage loan types according to specific state and federal requirements to limit risk exposure. Responsibilities include managing a pipeline of appraisals, keeping track of pending due dates, and ensuring member service expectations are met. Communicate changes, revisions, or corrections to production staff, appraisers, and appraisal vendors after initial delivery. Respond to inquiries from production staff and other business units about appraisals in review and advanced underwriting issues. Review and make decisions on appraisal reports, including adding conditions, issuing counter offers, and denials. Consider effects of property-related contracts such as age restrictions, HOAs, and private water/septic/roads. Conduct thorough examinations of appraisal reports to ensure deficiencies, repairs, or special requirements are noted. Determine the acceptability and marketability of properties to ensure sufficient collateral for securing loans. Utilize information from various resources to ensure an exceptional member experience without compromising risk. Make decisions on investment risk acceptability using established guidelines and recommend denial or exception for properties that do not meet them. Communicate professionally and proactively with appraisers, vendors, and business partners. Provide timely, accurate, and clear information based on research or existing knowledge.Essential Skills include strong mortgage and appraisal knowledge, experience in managing a pipeline, understanding of equity and debt-to-income ratios, and the ability to communicate effectively with various stakeholders. Proficiency in evaluating property contracts and conditions is also required.Additional Skills & Qualifications include familiarity with International Building Code and local building and zoning regulations, and experience in using online real estate databases and tax records.Why Work Here? Join the largest credit union in the world, serving the financial needs of military personnel and their families globally, with over 343 branches worldwide. Work Environment is a hybrid model with on-campus presence 2 times per week, transitioning to onsite 3 times per week in April 2026. Work hours are from 8 AM to 4:30 PM local time.Job Type & Location: This is a Contract to Hire position based out of Winchester, VA. Pay range for this position is $19.29 - $36.29/hr. Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following: Medical, dental & vision; Critical Illness, Accident, and Hospital; 401(k) Retirement Plan Pre-tax and Roth post-tax contributions available; Life Insurance (Voluntary Life & AD&D for the employee and dependents); Short and long-term disability; Health Spending Account (HSA); Transportation benefits; Employee Assistance Program; Time Off/Leave (PTO, Vacation or Sick Leave).Application Deadline: This position is anticipated to close on Jan 16, 2026.