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 UnionRole 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 decisionComply with TRID, Ability to Repay/Qualified Mortgage rules and other compliance regulations Ensure Loan Origination System reflects accurate loan dataPerform a thorough analysis of collateral to ensure property meets company and agency guidelines and the appraisal quality and completeness is acceptableWorks in tandem with loan officers and operations staff to address loan conditions, questions, issues, and problem solvesCollaborate with management on counter offers and exceptionsIssue denials, suspensions, and counteroffersMaintain ongoing knowledge of company and agency guidelines, updates, and trendsManage a pipeline and achieve production and turn-time standards set forth by managementDisplay 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 integrityMaintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalismWillingly perform other job-related projects and duties as assigned, self-initiating assistance to team members when appropriateProvide support, training, coaching, and mentoring as the subject-matter expert for the underwriting team to maintain organizational consistencyAssist in internal audits and external exams as applicableWork with management on FHA and VA UW approval authority projectsAbout You:Exhibited ability to perform with a high level of accuracy and attention to detailProven ability to effectively communicate ideas and information both orally and in writingDemonstrated success in a deadline driven environment: adapting to changes and prioritizing competing demandsEstablished in consistently contributing to positive moral of the teamConsistently display interpersonal skills to relate effectively and professionally to peers and all levels of managementProven ability to work collaboratively in a diverse work group as well as independently with minimal supervisionQualificationsWhat You Will Need:High school diploma; or equivalent completion of specialized course of study, training, and experienceMinimum of five (5) years of relevant mortgage loan underwriting experience requiredMinimum of three (3) years’ experience with correspondent lending desiredFHA DE or VA LAPP SAR desiredExpert experience with loan origination software as it pertains to job functionsProven success maintaining monthly goalsProficient with standard Microsoft Office SuiteSome travel is required to achieve training and business objectivesValid Driver’s License is requiredOur Team Member Value Proposition:In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:Competitive PayMedical, Dental, Vision, and Life Insurance 20 days/year of Paid Time Off – Plus 10 Paid Holidays!401(k) MatchIncentive ProgramTuition Assistance and Student Loan RepaymentCommuter BenefitsPaid Time Off to Volunteer in the CommunityProduct discountsEngaging Work EnvironmentRewards and Recognition ProgramsFull Salary Range:Richland, WA: $34.60-$57.67Spokane, WA: $34.60-$57.67Renton, WA: $41.84-$69.73Vancouver, WA: $36.81-$61.34While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications. This approach gives room to grow within the role as your career progresses with us!"Get wise to what’s possible with a career at Gesa. Join us!We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.Selected candidate(s) must be able to pass a pre-employment credit/background check.Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.Equal Employment Opportunity (gesa.com)