HYBRID Mortgage Underwriter

TEKsystems is seeking qualified candidates to be considered for several Mortgage Equity Underwriter positions with a local Fortune 100 Credit Union!

We are looking for candidates who can work in a hybrid format, requiring at least 3 days per week in office in Pensacola, FL, Winchester, VA, or Vienna, VA.

Monday - Friday, 8:00AM - 4:30PM.

To evaluate and underwrite all equity loans offered by the Credit Union according to specific state and federal requirements to limit the risk exposure to the Credit Union mortgage portfolio. To analyze required loan documentation and information presented in the mortgage loan request, to condition and make appropriate loan decisions based on the acceptability of the credit risk using established guidelines of the Credit Union, secondary market loan investors, and applicable state and government regulations.

Work on assignments requiring judgement in resolving issues or making recommendations. Identify key issues and patterns. Take a broad perspective to solve problems. Work under minimal supervision.

Hybrid schedule: 3 days per week onsite required.

• Analyze mortgage loan information on loan documents such as income, assets, and credit criteria to confirm loan eligibility based on company, local, and federal guidelines as well as adherence to investor requirements with or without independent scoring systems.
• Analyze exceptions and rejections; recommend alternative mortgage products that could bring the loan within guidelines.
• Analyze self‑employed borrower income documentation.
• Approve equity loans and authorize loan disbursements based on a complete analysis of submitted documentation and applicable rules and regulations.
• Determine the acceptability and marketability of the real estate property to ensure there is sufficient collateral to secure the loan.
• Prepare and present counter‑offers on marginal loans; prepare adverse action (loan disapproval) notifications, with awareness of the compliance provisions of the regulatory agencies.
• Work closely and collaboratively with loan originator and processor to ensure all appropriate data and required documentation is obtained.
• Review/understand effects of contracts related to real estate, such as age restrictions, HOAs, etc.
• Maintain current knowledge of all equity products and any changes to guidelines by credit union, investor, or government agencies that impact the processing of mortgage loan products.
• Assists in the ongoing maintenance of online underwriting manuals.
• Exercise judgment and discretion to analyze and solve more complex or unusual problems; assess issues; may modify processes and procedures and develop alternate courses of action to complete work.

• Moderate (minimum 3 years) mortgage underwriting experience.
• Demonstrated in‑depth knowledge of underwriting principles, secondary market (FNMA and FHLMC) and/or government (FHA/VA) guidelines, and relevant regulatory requirements.
• Strong organization skills and ability to handle multiple tasks simultaneously with a high degree of accuracy in a high volume, fast‑paced environment.
• Strong verbal, written, and interpersonal communication skills, including experience counseling, negotiating, or explaining decisions to members and vendors.

This is a Contract to Hire position based out of Vienna, VA.

The pay range for this position is $19.29 - $36.29/hr eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following:

• Medical, dental & vision
• Critical Illness, Accident, and Hospital
• 401(k) Retirement Plan – Pre‑tax and Roth post‑tax contributions available
• Life Insurance (Voluntary Life & AD&D for the employee and dependents)
• Short and long‑term disability
• Health Spending Account (HSA)
• Transportation benefits
• Employee Assistance Program
• Time Off/Leave (PTO, Vacation or Sick Leave)

This is a hybrid position in Vienna, VA.