Sr. Home Loan Underwriter

Take a leap and join our team!

At Gesa, we believe in the power of our people. Coming from all walks of life, our team members' individual stories and unique experiences are our most valuable asset. But it's how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.

Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.

Get to know us: About - Gesa Credit Union

Role Summary:

The Sr. Home Loan Underwriter is responsible for making consistent quality loan decisions on residential mortgage loans in accordance with company and agency standards. This person will be member-focused and offer alternative solutions to meet the members financial needs. This role may be involved in several types of mortgage lending (Conventional, Portfolio, and Home Equity). This position has proven the ability to handle significant responsibilities in addition to the Mortgage Underwriter II role. This position acts as a resource for other Underwriters and Operations staff, answering questions, conducting training and acting as a mentor.

What You Will Be Doing:

• Analyze income, credit, assets, and loan application according to company and agency underwriting guidelines to produce a sound credit decision
• Comply with TRID, Ability to Repay/Qualified Mortgage rules and other compliance regulations
• Ensure Loan Origination System reflects accurate loan data
• Perform a thorough analysis of collateral to ensure property meets company and agency guidelines and the appraisal quality and completeness is acceptable
• Works in tandem with loan officers and operations staff to address loan conditions, questions, issues, and problem solves
• Collaborate with management on counter offers and exceptions
• Issue denials, suspensions, and counteroffers
• Maintain ongoing knowledge of company and agency guidelines, updates, and trends
• Manage a pipeline and achieve production and turn-time standards set forth by management
• Display mutual respect, trust, and dignity, while acting in the best interest of the credit union following all policies and procedures as expected by management. Lead by example by always displaying solid ethics and integrity
• Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism
• Willingly perform other job-related projects and duties as assigned, self-initiating assistance to team members when appropriate
• Provide support, training, coaching, and mentoring as the subject-matter expert for the underwriting team to maintain organizational consistency
• Assist in internal audits and external exams as applicable
• Work with management on FHA and VA UW approval authority projects

About You:

• Exhibited ability to perform with a high level of accuracy and attention to detail
• Proven ability to effectively communicate ideas and information both orally and in writing
• Demonstrated success in a deadline driven environment: adapting to changes and prioritizing competing demands
• Established in consistently contributing to positive moral of the team
• Consistently display interpersonal skills to relate effectively and professionally to peers and all levels of management
• Proven ability to work collaboratively in a diverse work group as well as independently with minimal supervision