Senior Mortgage Specialist & Underwriter

Job Summary

The Senior Mortgage Specialist and Underwriter is responsible for evaluating residential mortgage loan applications and making sound credit decisions in accordance with credit union policy, investor guidelines, and applicable federal and state regulations. This role is member focused, detail oriented, and collaborative, supporting both loan quality and an efficient, positive member experience.

In addition to underwriting responsibilities, the Senior Mortgage Specialist and Underwriter serves as a resource to the mortgage team by assisting with complex loan scenarios, providing cross functional coverage, and sharing expertise to support operational consistency.

Duties

• Review and decision residential mortgage loan files by analyzing income, assets, credit, and collateral, and issuing approvals, denials, and counter offers in an efficient and timely manner. Communicate underwriting decisions and conditions clearly to processors and loan officers.
• Ensure all supporting documentation, including appraisals, title, and verifications, is accurate, complete, and compliant with Fannie Mae, investor, and internal portfolio guidelines
• Ensure loans comply with all applicable federal, state, and investor requirements, including ATR/QM, ECOA, HMDA, and internal lending policies
• Act as a key problem solving resource by communicating underwriting decisions clearly and collaborating with loan officers, processors, closers, servicing staff, and management to resolve complex scenarios and file issues
• Provide backup support across mortgage operations, including processing, closing, and servicing, as needed to maintain workflow continuity during absences, high-volume periods, or complex situations
• Support operational consistency by identifying workflow efficiencies, assisting with documentation and procedure maintenance, supporting audits and reporting, and serving as a knowledgeable resource for underwriting guideline interpretation and scenario review
• Perform other job related duties, projects, or special assignments as needed to support departmental objectives and the overall mission of the credit union

Pay: $70,000.00 - $100,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health savings account
• Life insurance
• Paid time off
• Parental leave
• Professional development assistance
• Retirement plan
• Tuition reimbursement
• Vision insurance

Work Location: In person