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Mortgage Underwriter

Company: First Financial Credit Union
Location: West Covina
Posted on: June 8, 2021

Job Description:

Position Overview

As a Mortgage Underwriter, you will be responsible for mortgage loan approval/decline decisions on incoming applications consistent with the Credit Union's policies. This position is responsible for performing critical loan and compliance review for all first mortgage and home equity loans, as well as approving and declining loans as required.

This is a full-time, non-exempt position with hours being anywhere between 8:30 AM to 7:00 PM with rotating Saturdays.

Qualifications & Experience

Must have the ability to handle a large volume of detailed information

Must have solid knowledge of first mortgage lending principles and procedures, loan services, the financial services industry, and Credit Union philosophy

Must have the ability to counsel, communicate and make decisions as required

Advanced knowledge of first mortgage and second mortgage loans, and related loan documents

Advanced knowledge of real estate loan regulations, Uniform Commercial Code, Reg. B, RESPA, Reg. Z, TRID requirements, loans, operations and credit union philosophy

Advanced knowledge of credit and income fundamentals (credit scoring, reviewing of a credit report, debt ratio calculation for advanced income analysis, etc.) (For ex; Income tax analysis, scheduled C and E)

Advanced analytical skills sufficient to conduct an analysis of an applicant's credit status and property/collateral assessment

Proficiency using Encompass mortgage management system strongly preferred

Our Culture

At the very heart of who we are is doing what is in the best interest of our members, employees, and the California educational community. By listening to, and knowing the needs of our membership, we have become their trusted advisor. We focus on our members' end-to-end experience (journey) and employees are empowered to help members make their financial dreams a reality. To that end, we focus on hiring for talent and the right fit for our culture.

We are in business to serve the educational community, and our internal members our talented staff with the same respect and extraordinary service expectations.

At the credit union, we believe that talent and attitude count as much as skill and experience. As a result, we are looking for talented people who share our vision, our passion for the educational community, and for delivering exceptional service with the right attitude.

We believe in a good work/life balance and retaining our employees. We hire motivated people who we train to expertly perform and excel in their position--all in an environment where you can flourish and advance.

Perks

We offer the following exceptional benefits:

  • Medical, Dental and Vision
  • Vacation time for Union employees (accruing from day one) available after 6 months of service
  • Additional Vacation Service award for every 5 years of service (up to 4 weeks)
  • 401(k) with 5% Safe Harbor Employer Contributions
  • Gain Sharing (Profit Sharing)
  • Additional Incentives and Recognition based on performance
  • Special Product Pricing (discounted loan rates and interest on accounts with no minimum balance)
  • Frequent employee appreciation and recognition events
  • Opportunity to win trips with all-expenses paid

Community Minded, Just Like You

Our dedication to the educational community sets us apart from the big banks and other credit unions. Our staff and volunteers (Board Members and Supervisory Committee) enthusiastically spend hours volunteering at local schools each year. In addition, we zealously give back in many other ways, including:

  • Donations to local schools from both members and staff
  • Teacher Grants, Classroom Supplies Grants, Teaching Credential Grants, and Scholarships for Graduating High School Seniors (and those pursuing their education)
  • Community involvement local charities

History

We value and take tremendous pride in serving the financial needs of the California educational community. We were founded by educators for educators over 85 years ago. It's a role we take seriously and a mission to which we are just as committed to today as we were in 1933.

We continue to uphold a focus on educators, maintaining a charter and mission statement that emphasize our dedication. We have held steadfast to our commitment and have not changed our focus nor abandoned our relationship with the educational community over the years for the general public (as many credit unions have done to their core membership). In fact, our Board of Directors consists of current and retired educators, ensuring that the educational community will remain our focus on an ongoing basis.

For 85 years, we have been providing better value to members, consistently demonstrating our commitment with our time- and money-saving products and services designed specifically for the needs of the California educational community.

We have 10 branches in Southern California, serving Los Angeles County, Orange County, San Diego County, the Inland Empire, the San Gabriel and San Fernando Valleys.

Career Opportunities

We are looking for talented people who share our vision, our passion for the educational community, for delivering exceptional service and for doing what is in the best interest of our members.

Keywords: First Financial Credit Union, West Covina , Mortgage Underwriter, Other , West Covina, California

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