[Hiring] Mortgage Underwriter II @Quorum Federal Credit Union

Role Description

As a Mortgage Underwriter II, you will be responsible for independent analysis of highly complex residential mortgage applications and making sound credit decisions in accordance with investor, agency, and company guidelines. This position supports high application volumes and must consistently achieve production levels, turn times and accuracy expectations. Additionally, this role demonstrates adaptability, embraces new technologies, and contributes to the continual improvement of the underwriting process.

• Analyze and independently underwrite highly complex mortgage products and scenarios.
• Underwrite all mortgage loan files in compliance with secondary market guidelines and credit union policies.
• Exercise sound judgment when evaluating overall loan risk and determining loan eligibility.
• Achieve required daily production levels and established turn times.
• Review and validate standard documentation such as income, asset, credit, and collateral.
• Utilize provided automation solutions to ensure efficiency and operational controls.
• Perform underwriting functions in all stages of the application.
• Manage daily pipelines efficiently by prioritizing tasks and communicating proactively.
• Identify and escalate higher-risk or exception files to senior underwriting staff.
• Stay current with underwriting guidelines and technology.
• Exhibit a positive and collaborative team attitude.
• Perform additional duties as required.

Qualifications

• Bachelor’s degree in finance, business administration or other related degree preferred.
• Minimum of six to ten years of related experience at a credit union, bank or other financial institution.
• Excellent problem-solving, organizational, analytical, verbal and written communication skills.
• Strong decision making and time management skills with the ability to manage multiple projects/duties.
• Results driven, service oriented, self-motivated and able to work independently.
• Detailed knowledge of secondary market guidelines.
• Complies with all requirements for Mortgage Loan Originators set forth in the SAFE Act.
• Trustworthy with the ability to maintain highest level of integrity and trust.
• Proficiency in Microsoft Office, specifically Word, Excel and PowerPoint.
• Related experience with Encompass loan origination systems.

Requirements

• Ability to communicate with clarity, while understanding and explaining complex situations.
• Accuracy is essential and must possess the ability to proofread documentation and correspondence.
• Must be able to spend a good portion of the day seated at a workstation.

Benefits

• Excellent health insurance packages with a Health Reimbursement Account option.
• Life, AD&D, Short-Term Disability and Travel Insurance.
• 401k plan with company match dollar for dollar up to 6 percent.
• Generous time-off policy with paid time off (PTO), volunteer time off (VTO), birthday PTO, and company-observed holidays.
• Monthly stipend for wellness activities and mental health.
• Tuition reimbursement.
• Pet Benefits, including insurance, discounts, “pawternity” PTO day, and more.
• Bonus/commission plan for qualifying roles.
• Employee perks (including mortgage discounts).
• PTO purchase and sell-back programs.
• Rewards and peer recognition programs.
• Trust-based, outcome-oriented remote work environment for most roles.