Abrar Admin

Amplify Credit Union

<div>Life at Amplify
As a growing, tech-focused credit union, Amplify Credit Union delivers value to our members through our products and impact to our community through our profits. That unique intersection is one reason we&rsquo;ve been named a Top Workplace by the Austin American-Statesman seven years in a row. We&rsquo;re also proud to say that we&rsquo;re the only full-service financial institution that doesn&rsquo;t have deposit fees of any kind. We&rsquo;re looking for teammates who are inspired by our mission and ready to grow their careers. As they do, our employees can expect Amplify to uphold our commitments to culture, community, inclusion, and more.
Position Summary
The role of the Mortgage Loan Underwriter III is to analyze, assess and decision mortgage loans for Amplify Real Estate lending in accordance with Amplify lending guidelines, secondary market guidelines, state and federal regulations. The incumbent must stay abreast of internal lending policies, practices, guidelines, lending systems and products, as well as external regulatory and economic environments.
The role is responsible for the review of all loan documentation to ensure accuracy, completeness and compliance with internal, regulatory, private mortgage insurance and investor guidelines in order to decision in a timely, accurate manner. Develops sound working relationships with the Real Estate Production team to ensure accurate and timely decisions are made and communicated effectively to support a quality member service experience.
RESPONSIBILITIES include the following. Other duties may be assigned.<ul><li>
Acts as the subject matter expert in the area of determining credit and collateral risk; provides support and general direction to underwriters within authority prescribed by management</li><li>
Supports and assists the Director &ndash; Mortgage Underwriting and the VP- Real Estate Operations in ensuring established performance and customer service goals are met by monitoring and facilitating daily workflow of underwriting activities; accountable for meeting established decision time parameters
</li><li>Conducts problem resolution for non-routine underwriting issues; reviews exceptions from policy, guidelines and procedures to render appropriate decisions within prescribed limits and communicates the course of action and reasoning behind it, notating file and systems as required</li><li>
Approves or denies real estate loans within his/her assigned underwriting authority in accordance with applicable investor, private mortgage insurer, and down payment assistance program guidelines, as well as internal Credit Union policies. Prepares and submits recommendations for loan approvals that exceed individual underwriting authority, ensuring such recommendations align with Amplify policies and all relevant investor standards.</li><li>
Performs mortgage credit analysis, with or without the assistance of an automated underwriting system, to determine borrower&rsquo;s willingness and ability to repay the loan to include verifying the member&rsquo;s ability to repay through analysis of credit, loan ratios, documented income and assets, and collateral; evaluates risk to ensure a prudent decision is made</li><li>
Reviews and approves appraisals and alternate valuation reports for property eligibility and ensures the collateral meets program guidelines</li><li>
Maintains commanding knowledge of regulatory compliance, trends and methodologies affecting all loan products</li><li>
Professionally and clearly communicates the credit decision and underwriting conditions to the Loan Originator, Loan Processor, and Loan Closer, and works with them to resolve issues
</li><li>Assists secondary marketing in resolving eligibility issues related to the purchase of loans by a secondary market investor</li><li>
Supports Collections and Loss Mitigation efforts with credit and collateral analysis functions</li><li>
Supports Real Estate management in development and implementation of underwriting policy and procedures</li><li>
Analyzes, assesses, diagnoses and tests for accuracy and efficiency all processes and procedures related to mortgage underwriting activities</li><li>
Upholds credit union policies and procedures and champions organizational culture both internally and externally</li></ul>
Education and/or Experience
High school diploma or GED. Bachelor&rsquo;s degree in business or related field is preferred. Minimum of 7 years of mortgage lending experience and/or training including a minimum of 5 years of mortgage underwriting experience including conventional underwriting; or equivalent combination of education and experience. If education is being substituted for experience, emphasis on business finance, mortgage lending, and/or real estate courses required. FHA and VA underwriting experience including DE and LAPP designations are a plus.
Certificates, Licenses, Registrations
Must be bondable.
Software &amp; Equipment Requirements
To perform this job successfully, an individual should have knowledge and be efficient with the use of a personal computer, Microsoft Office applications, Credit Bureau Systems and financial calculators. Proficient in Fannie Mae&rsquo;s Desktop Underwriter (DU) and Freddie Mac&rsquo;s Loan Product Advisor (LPA). Knowledge of Encompass, a plus. Ability to learn and train others in the use of specialized mortgage lending software will be required.
Must have reliable internet access of 50MBPS which is the minimum speed required to connect to several of our systems and platforms.
Other Qualifications
Must have excellent judgment skills to make quick decisions within written policy and standard operating procedures. Requires working knowledge of the Credit Union's products and services, internal policies, and the Credit Union Act, including bylaws and regulations applicable to state-chartered credit unions. Must possess a comprehensive understanding of income tax documentation, including but not limited to sole proprietorships, S-corporations, C-corporations, partnerships, and limited liability companies. Must be able to interpret, apply, and recommend revisions to standard operating procedures and demonstrate familiarity with applicable state and federal regulations, including NCUA requirements. Additional regulatory knowledge must include, is not limited to, HMDA, Regulation Z, Regulation B, and the rules and processes associated with major mortgage investors and private mortgage insurers. Knowledge of secondary-market eligibility requirements and investor delivery standards, including the impact of underwriting decisions on loan salability, is required. Experience with automated underwriting systems, including Desktop Underwriter and Loan Product Advisor, and with preparing loan files that meet investor delivery standards, is required
What We Offer
To build a better bank, you must build a better team. That&rsquo;s why we&rsquo;re committed to offering the best benefits to our team members. We want your time at Amplify to be a jumping-off point for personal and professional success, and this means offering &ndash; including paid volunteer hours and development programs &ndash; that will engage your role in our community.<ul><li>
Medical, Dental, and 401(k) programs for team members.</li><li>
Customized volunteer opportunities with our signature partners (Saint Louise House).</li><li>
Additional paid time off for volunteer-related activities.</li><li>
Undergraduate and graduate tuition benefits for eligible full-time and part-time team members.</li></ul> 
 
Starting Pay &amp; Benefits
This role offers a pay range of $75,000 - 95,000. It also entails the benefits available to all Amplify employees, including a 401(k) with a company match of 100% on the first 5% you contribute.
Location
This remote role is available to candidates living in any of the following states:
Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.
Team Member Testimonials
Read about some of your potential coworkers and why they enjoy working at Amplify. Or check us out on Comparably. 
 
 
Amplify is an Equal Employment Opportunity Employer, seeking people from all backgrounds, life experiences, and world views. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.</div>

Underwriter III

<div>Life at Amplify
As a growing, tech-focused credit union, Amplify Credit Union delivers value to our members through our products and impact to our community through our profits. That unique intersection is one reason we&rsquo;ve been named a Top Workplace by the Austin American-Statesman seven years in a row. We&rsquo;re also proud to say that we&rsquo;re the only full-service financial institution that doesn&rsquo;t have deposit fees of any kind. We&rsquo;re looking for teammates who are inspired by our mission and ready to grow their careers. As they do, our employees can expect Amplify to uphold our commitments to culture, community, inclusion, and more.
Position Summary
The Retail Operations Specialist is responsible for providing regular oversight of all the operational functions performed by Retail to decrease errors, improve efficiency, and ensure compliance with all Retail procedures. The Specialist acts as a resolution resource for Retail team members as well as a Retail liaison for the Credit Union. This position requires the ability to communicate sensitive information to senior levels of management in both written and verbal form.
RESPONSIBILITIES include the following. Other duties may be assigned.<ul><li>
Actively engage in projects affecting Retail to facilitate smooth transitions, provide comprehensive training, resources, and ensure all elements of the project are fully completed.</li><li>
Perform a range of quality control and risk mitigation tasks throughout Retail by reviewing reports, identifying operational trends and opportunities, investigating branch requests (such as membership reviews &amp; cash shortages), and ensuring Retail complies with current regulations while staying informed about regulatory changes.</li><li>
Demonstrates comprehensive knowledge of Credit Union procedures, products, and services, serving as a resource for Retail staff and external vendors. Offers recommendations and insights on various transactions and consistently delivers exceptional member service by addressing inquiries promptly and efficiently.</li><li>
Exhibit the ability to work independently on individual tasks including but not limited to completing external research, as well as collaborating effectively with team members on group assignments.</li><li>
Make sound decisions and exercise good judgment during verbal and written interactions with members and teammates.</li><li>
Consistently develop, evaluate, and implement procedures to ensure that all retail staff are thoroughly informed and equipped with the required steps to complete processes and maintain regulatory compliance.</li><li>
Upholds credit union policies and procedures and champions organizational culture both internally and externally</li></ul>
Education and/or Experience
High School diploma or General Education Degree (GED) and 3+ years of banking and/or credit union operations experience required.
Certificates, Licenses, and Registrations
Must be bondable.
Software and Equipment Requirements
To perform this job successfully an individual should have strong knowledge of and be proficient in the use of a personal computer, all Microsoft Office products, and the use of a phone. Prior experience using a 10-key keyboard, Glia engagement system, and Fiserv DNA banking platform is valuable.
Must have reliable internet access of 50MBPS which is the minimum speed required to connect to several of our systems and platforms.
Other Qualifications
Must be able to work a flexible work schedule including weekends. Must have or quickly obtain working knowledge of Credit Union&rsquo;s product, services, policies, standard operating procedures, and State and Federal regulations.
This position requires an outgoing, collaborative and solution-driven personality.
What We Offer
To build a better bank, you must build a better team. That&rsquo;s why we&rsquo;re committed to offering the best benefits to our team members. We want your time at Amplify to be a jumping-off point for personal and professional success, and this means offering benefits &ndash; including paid volunteer hours and development programs &ndash; that will engage your role in our community.<ul><li>
Medical, Dental, and 401(k) programs for team members.</li><li>
Customized volunteer opportunities with our signature partners (Saint Louise House).</li><li>
Additional paid time off for volunteer-related activities.</li><li>
Undergraduate and graduate tuition benefits for eligible full-time and part-time team members.</li></ul> 
 
Starting Pay &amp; Benefits
This role offers base pay of $28.34 per hour. It also entails the benefits available to all Amplify employees, including a 401(k) with a company match of 100% on the first 5% you contribute.
Location
This remote role is available to candidates living in the following states:
Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.
Team Member Testimonials
Read about some of your potential coworkers and why they enjoy working at Amplify. Or check us out on Comparably. 
 
 
Amplify is an Equal Employment Opportunity Employer, seeking people from all backgrounds, life experiences, and world views. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.</div>

Retail Operations Specialist

Join Amplify Credit Union and explore 2   exciting career opportunities. They're hiring for various roles with options for remote or on-site work. Apply today and become part of their innovative team.

Amplify Credit Union

About Company

Underwriter III

Retail Operations Specialist