Mortgage Underwriter

DO YOU WANT TO MAKE A DIFFERENCE?

Join a spirited, dynamic team with Hawai`i’s leading credit union as we make a difference in our community – providing financial value, exceptional service, and state‑of‑the‑art convenience to our members.

Mortgage Underwriter

Mortgage Lending

Non-Exempt

Mortgage Lending Manager

One great perk of working at UHFCU is we offer on-demand pay through our financial wellness provider. With the on-demand pay benefit, you can have the money you've already earned when you need it, so your time and money can work better for you. Get early access and get paid without waiting for your paycheck.

In addition to competitive pay, we are proud to offer a comprehensive benefits package.

• Medical Insurance which Includes Drug and Vision;
  Company pays 100% of Employee's Self-Coverage; PLUS, a Company Paid Subsidy Towards Family-Coverage
• Dental Insurance;
  Company Pays 100% of Employee's Self-Coverage and Employee Pays for Low-Cost Family-Coverage
• Medical and Dental Plan Premium Waiver Option
• 401(k) Retirement Plan with Employer Match and Non-Elective Contribution (NEC)
• Eligible to Earn Thirty-Five (35+) Paid Days Off a Year
• Vacation Cash-Out Program
• Flexible Spending Accounts:
  Healthcare and Dependent Care (Pre-Tax Benefit)
• Company Pays for Employee Group Basic Life With AD&D Insurance
• Company Pays for Employee Long Term Disability Insurance
• Voluntary Accident Recovery, Critical Illness + Cancer, and Hospital Insurance
• Employee Assistance Program (EAP)
• Employee Loan Discount
• Company Subsidizes 50% for Adult Monthly Bus Pass
• Cash Reward Employee Referral Program
• Workiversary Cash Reward and Gifts
• Internal and External Professional Development Opportunities
• And Many More!

This position is responsible for reviewing, analyzing, approving, and underwriting difficult, complex individual consumer requests and products within company and industry guidelines. Functions include reviewing financial statements, credit reports, and applicable ratios (i.e. debt-to-income, loan-to-value); examining transactions to ensure accuracy and completeness; preparing formal reports for review; ensuring that documents are consistent and uphold to company and industry guidelines; applying fraud detection techniques, performing compliance reviews;

assisting with re‑structuring of loans based on lending guidelines, serving as a consultant/technical resource on difficult problems and questions; providing work direction, feedback and training to junior underwriting and processing staff including mentoring lower level underwriters and processors on credit decisioning, department procedures and policies; delivering/facilitating of technical training to ensure organizational consistency. This position also assists with the processing and closing of residential mortgages in all stages to ensure compliance.

May act as a team lead and provide performance feedback to less senior department members. May act as backup in absence of Supervisor.

• Evaluate loans pursuant to quality control, internal and agency guidelines.
• Responsible for the accuracy of all information in the loan files to meet quality control standards and portfolio and secondary marketing investor guidelines.
• Ensures compliance with all regulatory policies and procedures.
• Recommends improvements in procedures and processes as necessary to ensure the optimum efficiency and effectiveness of the credit union.
• Performs other duties as required.

• Provides excellent member service (internally & externally).
• Assists department to achieve loan production volumes as determined annually.
• Keeps up to date on credit union and secondary market policies, procedures, and services.
• Loans are processed accurately and timely.
• Executed documents are accurate and in compliance with all lending policies.

High school diploma or GED required.

Business school, associate degree or equivalent is a plus.

• Basic understanding of MS Office Suite.
• Strong understanding of lending regulations.
• Strong understanding in processing/underwriting…