USALLIANCE is seeking individuals to join our Mortgage Lending team with the ability and desire to provide outstanding and world-class customer service to our Members and Broker Partners throughout the lending process.
Both Remote and In-Office positions are available.
- Analyze information to determine risk involved in lending money for mortgage loans; responsible for analyzing/verifying income, assets, credit and all supporting documentation to ensure sufficient to loan standards and guidelines; includes verifying all documentation is correct, complete and in the loan file; that the information has been correctly calculated.
- Provide direction and guidance to processing staff for documentation and processing quality; ensure file conforms to guidelines.
- Review appraisal to ensure value of collateral is sufficiently documented and appraiser has correctly completed forms.
- Assist in making decision to either deny loan or, depending on the loan’s attributes, approve loan or make recommendation to approve loan.
- Review underwriting decision, reasoning (logic), and conditions or counteroffer with appropriate parties.
- Keep current on regulations and policies and guidelines and on changes of agencies.
- Assume additional duties as they arise, cross-train within the department, and be responsive to the department
Requirements
- 5 years mortgage loan experience with a minimum of 3 years underwriting experience.
- Thorough knowledge of reviewing Residential appraisals
- Through understanding of mortgage loan processing functions, including conventional lending.
- In-depth knowledge of mortgage related requirements, procedures, amp; underwriting criteria.
- Excellent verbal and written communication skills.
- Strong interpersonal and organizational skills.
- PC Skills, including loan software, Outlook and Microsoft Office.
- Thorough knowledge of FNMA underwriting guidelines and Desktop Underwriter
- Ability to prioritize and meet deadlines.
- Requires successful registration with, and issuance of a unique identification number from, the Nationwide Mortgage Licensing System (NMLS) in compliance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act).
Benefits
Work Culture amp; Benefits
- Medical amp; Dental insurance
- Life and Vision Insurance - Employer Paid
- 401(k) Retirement Savings Plan with Full Employer Match (on contributions up to 6%)
- Generous Paid Time Off
- Flexible Spending Accounts for Health amp; Dependent Care Expenses
- Career Planning
USALLIANCE Federal Credit Union, as an Equal Opportunity Employer, values and supports the diverse cultures, perspectives, skills and experiences within our workforce.