Sr. Home Equity Underwriter

Position Summary It’s fun to work in a company where people truly BELIEVE in what they’re doing! We’re committed to bringing passion and customer focus to the business. The Sr Home Equity Underwriter will make a difference in our members’ lives through their mortgage needs, providing the highest quality experience for both internal and external members. Essential Duties and Responsibilities Serve as the subject matter expert on the Home Equity Team for underwriting and processing of Home Equity, HELOC, Home Improvement, and Unimproved Property Loans. Collaborate with the training and development team to provide product training to the Retail Team. Support other underwriters with complex transactions and applications within the elevated approval limits of a senior underwriter. Train and onboard new home equity underwriters. Conduct thorough needs assessments for all lending products for members and prospective members. Assess creditworthiness for each applicant, weighing overall risk of the loan request and the total member relationship. Balance risk and reward while maintaining strict compliance measures and adherence to loan policy and laws. Provide consultative sales advice, including for members who cannot be approved for a loan product. Establish and maintain a positive relationship, creating an exceptional experience to make the member feel valued. Communicate underwriting decisions with a sales and service mindset. Underwrite loan requests initiated through digital platforms, inbound and outbound calls, and solution centers. Proactively identify changes in member life and banking needs, recommending relevant solutions to enhance financial and life goals. Maintain and follow up regularly on a pipeline of loans, providing timely responses to member and team member requests. Originate, process, and close home equity products, coordinating branch in‑person closings with Solution Center partners. Prepare closing documents and coordinate branch closings for real estate loans. Maintain up‑to‑date knowledge of lending compliance requirements and TX home equity laws. Assist members and team members with new and existing Home Equity/HELOC loans. Maintain a constant tracking of loan applications received and loans funded. Proactively support the Home Equity Team’s goals and collaborate with fellow team members. Perform all other assigned duties. Reach out to members to review their draw period when the initial draw period ends for sales opportunities. Conduct outbound and inbound discussions for members with loan renewals to retain and promote Wellby Home Equity products. Maintain comprehensive knowledge of the Bank Secrecy Act, Customer Identification Program, USA Patriot Act, OFAC, Fair Lending, and RegZ. Qualifications and Experience 5+ years of experience in Home Equity/HELOC lending. NMLS required. High School diploma required. Associate’s degree preferred in general studies, business, management or an equivalent combination of education and experience. Excellent communication and presentation skills. Current knowledge of and ability to apply financial service industry standards, laws, and regulations. Working knowledge of accounting and loan processing software. Ability to communicate clearly and concisely, presenting ideas and reporting facts and technical information. Ability to resolve questions and problems, manage personal workflow, and meet deadlines and production goals. Willingness and ability to embody Wellby Core Values daily. Job Requirements Must be able to stand or sit for prolonged periods. Must be able to remain in a stationary position 50% of the time. Occasionally move within the office to access file cabinets, office machinery, etc. Constantly operate a computer and other office productivity machinery such as a calculator, copy machine, and printer. Ability to communicate information and ideas so others will understand. Must exchange accurate information in various situations. Ability to observe details at close range (within a few feet of the observer). Occasionally lift items weighing up to 25 pounds. Equal Employment Opportunity Wellby is an equal opportunity and affirmative action employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, veteran status or any other legally protected characteristic. Wellby provides equal opportunity to qualified individuals with disabilities and disabled veterans. If you need a reasonable accommodation, please email View email address on click.appcast.io or call800‑940‑0708 for assistance. Disclaimer The statements herein are intended to describe the general nature and level of work being performed by team members and are not to be construed as an exhaustive list of responsibilities, duties, and skills required of personnel so classified. Furthermore, they do not establish a contract for employment and are subject to change at the discretion of the Company. Additional Information This is a Full‑Time and Hourly role. For more information, visit wellbyfinancial.com. Federally insured by NCUA. Equal Housing Lender. Equal Opportunity Employer. #J-18808-Ljbffr JSC Federal Credit Union