Mortgage Underwriter

Forest Area FCU is seeking an experienced Mortgage Underwriter to play a critical role in the strength and success of our mortgage lending portfolio. This position is ideal for a confident, detail‑driven professional who brings strong credit judgment, regulatory expertise, and leadership experience to the table.

• Underwrite and decide residential mortgage loan applications by analyzing credit, income, assets, collateral, and risk trends
• Structure and price mortgage loans to remain competitive while ensuring compliance
• Review loan files for quality, accuracy, and regulatory adherence
• Provide clear communication to lending staff regarding approvals, denials, and conditions
• Supervise mortgage loan processing and servicing staff to ensure accuracy and compliance
• Oversee the mortgage lending portfolio, including vendor relationships and core systems
• Sell mortgage loans on the secondary market to approved investors
• Review closing documentation and issue “clear to close” approvals
• Collaborate with auditors, compliance, and legal teams to meet NCUA and regulatory standards
• Assist with policy development, procedure updates, and staff training
• Monitor loan performance and review non‑performing loans for continuous improvement

• Strong working knowledge of mortgage underwriting, credit analysis, and risk evaluation
• Ability to interpret credit reports, identify trends, and verify supporting documentation
• In‑depth understanding of mortgage regulations (CFPB, RESPA, Fair Lending, NCUA, etc.)
• Experience supervising or leading mortgage processing or servicing staff
• Ability to balance policy adherence with sound judgment for appropriate exceptions
• High level of accuracy, organization, and ability to manage multiple priorities
• Strong communication skills and a collaborative leadership style

• Member‑focused mission and strong core values
• Opportunity to lead and influence mortgage lending strategy
• Stable, community‑based credit union environment
• Meaningful role in protecting portfolio integrity while supporting member home ownership

If you’re a mortgage professional who values integrity, sound judgment, and leadership—and you’re ready to make an impact—we’d love to hear from you.

Apply today to join Forest Area FCU.