Mortgage Loan Underwriter

Working at Kirtland CU is more than a job-it's a career, and one in the financial world! We pride ourselves on helping our employees learn, grow, and advance in any direction they choose. We offer a highly competitive salary, great benefits package and an energetic, vibrant work environment. We are currently seeking a Mortgage Loan Underwriter to join Kirtland Credit Union! This is a regular, full-time, position that is fully remote based on geographical location. **Join the rest of our teammates and become eligible for a generous benefits package that we offer:** - Medical, Dental and Vision Insurance - 401(k) Retirement savings program - 401 (k) employer match - Paid time off with accrual starting from day one. - 11 Paid holidays off during the year! - Tuition Reimbursement for College Degrees - Employee Clothing Advance - Fitness Reimbursement Program - Employer paid Life Insurance - Employee Assistance Program - Employer paid Short- and Long-Term Disability Insurance - Travel Assistance Program ***This is what we would like you to do:*** Responsible for creating an exceptional member experience. Includes developing, maintaining and enhancing member relationships. Responsible for problem resolution resulting in win-win for the member and the Credit Union. Responsible for performing a broad variety of member service functions, including teller transactions, cash handling, account maintenance and opening new accounts. Responsible for generating product/service referrals for consumer loans, credit cards, and KFS services. Educate and provide members with Credit Union products and services, identifying what is best for the Member. Support the credit union’s mission, vision, strategic goals, quality initiatives and service standards. Provide exceptional internal and external member service. ***Primary Job Duties:*** - Assumes responsibility for reviewing appraisals and ensuring that determined values are well documented. - Assumes responsibility for accurately evaluating the credit worthiness of potential borrowers. - Evaluates applicant's employment history. Ensures that the probability of continued employment is good. Verifies at least two years of employment history and ensures that all income used in qualifying is expected to continue for at least 3 years or meets secondary marketing guidelines. Evaluates likelihood of job tenure. Assesses overtime, bonuses, and commissions used to qualify. Analyzes tax returns and balance sheets of self-employed applicants. - Evaluates the adequacy of the applicant's income and the probability that the member will be able to meet expected financial obligations. Assesses family support requirements. Compares previous housing expenses with proposed expenses. Examines income trends and determines possibilities for increased income in future years. - Assesses potential borrower's assets. Ensures that assets meet closing requirements, are derived from acceptable sources, and that acceptable levels of reserves will remain after closing. - Reviews borrower's credit. Reviews the manner in which obligations have been met and financial affairs managed. Investigates derogatory credit. Ensures that all previous mortgage histories are rated and all debts are appropriately listed and rated. - Orders private mortgage insurance in compliance with PMI guidelines. - Completes all underwriting functions in accordance with various program requirements, Credit Union standards, and related legal and regulatory requirements. - Completes related documentation and reports. Maintains files and ensures their completeness. - Ensures that all lending conditions have been satisfactorily met prior to closing. Ensures the marketability of closed loans and the safety of Credit Union assets. - Assumes responsibility for establishing and maintaining effective communication and coordination with Credit Union personnel and with management. - Assumes responsibility for establishing and maintaining professional working relation…