3Rivers Federal Credit Union
Overview
Join to apply for the
Mortgage Underwriter
role at
3Rivers Federal Credit Union . Location: Fort Wayne, IN | Onsite | Non-Exempt | Reports To: Mortgage Underwriting Manager Pay: $63,450- $92,250/yr. This range is provided by 3Rivers Federal Credit Union. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more. Variable Incentive Pay / Merit: This position is eligible for variable incentive pay based on individual and credit union performance. In addition, it is eligible for merit-based pay adjustments after the completion of one year of service, based on personal performance. Additional notes: Pay is dependent on experience, with the top of the pay range reflecting someone who has held a similar position with a similar title and responsibilities for 10+ years. Responsibilities
Reviews, analyzes, and underwrites 1st and 2nd mortgage loan requests utilizing sound lending decisions. Measures expectations for fraud, delinquency and loss. Utilizes approved lending and credit evaluation guidelines adopted by the Credit Union. Assists in supervising the system of checks and balances associated with pricing, rates, fees, and rate-locks for lending requests. Maintains communication with the mortgage team members working with the membership. Obtains and evaluates credit information on applicants to render sound credit lending decisions. Enters and processes assigned internal software applications in a timely and accurate fashion. Supports reasons for denials and follows up with required regulatory adverse action notifications to applicants. Responsible for the Credit Union’s consumer credit granting decisions. Examines current credit history and member relationship to suggest additional products and services (cross-sell). Recommends lending products that would better suit the member’s needs at the time of the request. Knowledge and Experience
Extensive experience and thorough knowledge of the 1st mortgage lending industry. FHA underwriting experience and endorsement. Working knowledge of lending practices and procedures. Knowledge of office procedures and equipment. Computer knowledge with exposure to Microsoft. Excellent verbal and written communication skills. Exceptional organizational skills. Ability to maintain composure and positive attitude at all times. Good knowledge of loans, types and purposes. Must be able to use sound judgment at all times. Exercises judgment with management team to make decisions based on data and process knowledge. Ability to analyze work flow and develop procedural modifications. Focused on quality and problem resolution. Adheres to all federal, state and credit union regulations and policies. Education, Experience and Qualifications
Minimum of 5 to 7 years of mortgage lending experience. 3-5 years’ history of underwriting 1st mortgage loans at a pace of 5 to 8 per day. High School diploma or equivalent. Bachelor’s Degree in a related field. Seniorities and Employment
Seniority level: Mid-Senior level. Employment type: Full-time. Job function: Finance and Sales. Industry: Banking. We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI.
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Join to apply for the
Mortgage Underwriter
role at
3Rivers Federal Credit Union . Location: Fort Wayne, IN | Onsite | Non-Exempt | Reports To: Mortgage Underwriting Manager Pay: $63,450- $92,250/yr. This range is provided by 3Rivers Federal Credit Union. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more. Variable Incentive Pay / Merit: This position is eligible for variable incentive pay based on individual and credit union performance. In addition, it is eligible for merit-based pay adjustments after the completion of one year of service, based on personal performance. Additional notes: Pay is dependent on experience, with the top of the pay range reflecting someone who has held a similar position with a similar title and responsibilities for 10+ years. Responsibilities
Reviews, analyzes, and underwrites 1st and 2nd mortgage loan requests utilizing sound lending decisions. Measures expectations for fraud, delinquency and loss. Utilizes approved lending and credit evaluation guidelines adopted by the Credit Union. Assists in supervising the system of checks and balances associated with pricing, rates, fees, and rate-locks for lending requests. Maintains communication with the mortgage team members working with the membership. Obtains and evaluates credit information on applicants to render sound credit lending decisions. Enters and processes assigned internal software applications in a timely and accurate fashion. Supports reasons for denials and follows up with required regulatory adverse action notifications to applicants. Responsible for the Credit Union’s consumer credit granting decisions. Examines current credit history and member relationship to suggest additional products and services (cross-sell). Recommends lending products that would better suit the member’s needs at the time of the request. Knowledge and Experience
Extensive experience and thorough knowledge of the 1st mortgage lending industry. FHA underwriting experience and endorsement. Working knowledge of lending practices and procedures. Knowledge of office procedures and equipment. Computer knowledge with exposure to Microsoft. Excellent verbal and written communication skills. Exceptional organizational skills. Ability to maintain composure and positive attitude at all times. Good knowledge of loans, types and purposes. Must be able to use sound judgment at all times. Exercises judgment with management team to make decisions based on data and process knowledge. Ability to analyze work flow and develop procedural modifications. Focused on quality and problem resolution. Adheres to all federal, state and credit union regulations and policies. Education, Experience and Qualifications
Minimum of 5 to 7 years of mortgage lending experience. 3-5 years’ history of underwriting 1st mortgage loans at a pace of 5 to 8 per day. High School diploma or equivalent. Bachelor’s Degree in a related field. Seniorities and Employment
Seniority level: Mid-Senior level. Employment type: Full-time. Job function: Finance and Sales. Industry: Banking. We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI.
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