Golden 1 Credit Union
Home Loan Operations - Home Loan Equity Underwriter - Must Reside in CA
Golden 1 Credit Union, Sacramento, California, United States, 95828
Overview
Home Loan Operations - Home Loan Equity Underwriter - Must Reside in CA Join to apply for the Home Loan Operations - Home Loan Equity Underwriter - Must Reside in CA role at Golden 1 Credit Union. Responsibilities
Underwrite loan files received daily. Perform thorough, in depth risk assessment; determine borrower’s credit worthiness and ability for repayment. Analyze tax returns, credit, red flag and fraud detection information and related documentation to ensure compliance with agency, investor and/or credit union policy and procedures. Review and satisfy underwriting conditions inclusive of property related documentation encompassing appraisal reports, title, etc. to ensure adequate collateral along with a complete file in accordance with credit union policy while maintaining established turn times. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position. Actively participate in training enhancement of department personnel. Identify training opportunities in relation to credit risk, review or trends. Organize and prioritize daily work load to ensure compliance to credit union policy, procedures and established turn-around times. Complete and accurate input in loan origination system(s) to ensure data integrity. Communicate and interact with all pertinent vendors, servicers, agencies, investors, internal and external departments and members, as applicable. Perform research, lender comparison, develop and maintain reports, assist in other areas of the department as directed by the department manager. Qualifications
Education:
Successful completion of High School curriculum is required. College degree or equivalent a plus. Experience:
Five years of responsible lending experience with a financial or banking institution. Knowledge/Skills:
Current working knowledge of lending basic principles and practices. Excellent analytical and decision making skills. Proper time management skills and ability to work independently. Strong customer/member service relations, oral and written communication skills. Typing, ten-key, personal computer skills to include internet navigation, copier and facsimile machines. Physical Requirements
Prolonged sitting throughout the workday with occasional mobility required. Corrected vision within the normal range. Hearing within normal range. A device to enhance hearing will be provided if needed. Ability to lift 20 lbs. as may be required. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc. Licenses/Certifications
None REV. 3/11/2025
#J-18808-Ljbffr
Home Loan Operations - Home Loan Equity Underwriter - Must Reside in CA Join to apply for the Home Loan Operations - Home Loan Equity Underwriter - Must Reside in CA role at Golden 1 Credit Union. Responsibilities
Underwrite loan files received daily. Perform thorough, in depth risk assessment; determine borrower’s credit worthiness and ability for repayment. Analyze tax returns, credit, red flag and fraud detection information and related documentation to ensure compliance with agency, investor and/or credit union policy and procedures. Review and satisfy underwriting conditions inclusive of property related documentation encompassing appraisal reports, title, etc. to ensure adequate collateral along with a complete file in accordance with credit union policy while maintaining established turn times. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position. Actively participate in training enhancement of department personnel. Identify training opportunities in relation to credit risk, review or trends. Organize and prioritize daily work load to ensure compliance to credit union policy, procedures and established turn-around times. Complete and accurate input in loan origination system(s) to ensure data integrity. Communicate and interact with all pertinent vendors, servicers, agencies, investors, internal and external departments and members, as applicable. Perform research, lender comparison, develop and maintain reports, assist in other areas of the department as directed by the department manager. Qualifications
Education:
Successful completion of High School curriculum is required. College degree or equivalent a plus. Experience:
Five years of responsible lending experience with a financial or banking institution. Knowledge/Skills:
Current working knowledge of lending basic principles and practices. Excellent analytical and decision making skills. Proper time management skills and ability to work independently. Strong customer/member service relations, oral and written communication skills. Typing, ten-key, personal computer skills to include internet navigation, copier and facsimile machines. Physical Requirements
Prolonged sitting throughout the workday with occasional mobility required. Corrected vision within the normal range. Hearing within normal range. A device to enhance hearing will be provided if needed. Ability to lift 20 lbs. as may be required. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc. Licenses/Certifications
None REV. 3/11/2025
#J-18808-Ljbffr