Mortgage Loan Underwriter II Position

3 weeks ago


Columbia, South Carolina, United States Gesa Credit Union Full time

About the Role:

The Home Loan Underwriter II is a key position at Gesa Credit Union, responsible for making quality loan decisions on residential mortgage loans in accordance with company and agency standards.

This individual will be member-focused, offering alternative solutions to meet the members' financial needs. The role may involve several types of mortgage lending, including Conventional, Portfolio, and Home Equity.

Key Responsibilities:

  • Analyze income, credit, assets, and loan application according to company and agency underwriting guidelines to produce a sound credit decision.
  • Comply with TRID, Ability to Repay/Qualified Mortgage rule, 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 production 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.
  • Maintain ongoing knowledge of company and agency guidelines, updates, and trends.
  • Manage a pipeline and achieve production and turn-time standards set forth by management.

Requirements:

  • High school diploma or equivalent completion of specialized course of study, training, and experience.
  • Minimum of 2 years of relevant mortgage loan underwriting experience required.
  • One year experience in correspondent lending preferred.
  • Experience with loan origination software, electronic file storage systems, and AUS required.
  • Proficient with standard Microsoft Office Suite.
  • Some travel is required to achieve training and business objectives.
  • Valid Driver's License is required.

What We Offer:

  • Competitive Pay
  • Medical, Dental, Vision, and Life Insurance
  • 20 days/year accrual of Paid Time Off - Plus 10 Paid Holidays
  • 401(k) Match
  • Incentive Program
  • Tuition Assistance and Student Loan Repayment
  • Commuter Benefits
  • Paid Time Off to Volunteer in the Community
  • Product discounts
  • Engaging Work Environment
  • Rewards and Recognition Programs


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