Mortgage Loan Underwriter

Working at Kirtland CU is more than a job-it's a career, and one in the financial world! We pride ourselves on helping our employees learn, grow, and advance in any direction they choose. We offer a highly competitive salary, great benefits package and an energetic, vibrant work environment.


We are currently seeking a Mortgage Loan Underwriter to join Kirtland Credit Union! This is a regular, full-time, position that is fully remote based on geographical location.


Join the rest of our teammates and become eligible for a generous benefits package that we offer:

• Medical, Dental and Vision Insurance
• 401(k) Retirement savings program
• 401 (k) employer match
• Paid time off with accrual starting from day one.
• 11 Paid holidays off during the year!
• Tuition Reimbursement for College Degrees
• Employee Clothing Advance
• Fitness Reimbursement Program
• Employer paid Life Insurance
• Employee Assistance Program
• Employer paid Short- and Long-Term Disability Insurance
• Travel Assistance Program

This is what we would like you to do:

Responsible for creating an exceptional member experience. Includes developing, maintaining and enhancing member relationships. Responsible for problem resolution resulting in win-win for the member and the Credit Union. Responsible for performing a broad variety of member service functions, including teller transactions, cash handling, account maintenance and opening new accounts. Responsible for generating product/service referrals for consumer loans, credit cards, and KFS services. Educate and provide members with Credit Union products and services, identifying what is best for the Member. Support the credit union's mission, vision, strategic goals, quality initiatives and service standards. Provide exceptional internal and external member service.

Primary Job Duties:

• Assumes responsibility for reviewing appraisals and ensuring that determined values are well documented.
• Assumes responsibility for accurately evaluating the credit worthiness of potential borrowers.
• Evaluates applicant's employment history. Ensures that the probability of continued employment is good. Verifies at least two years of employment history and ensures that all income used in qualifying is expected to continue for at least 3 years or meets secondary marketing guidelines. Evaluates likelihood of job tenure. Assesses overtime, bonuses, and commissions used to qualify. Analyzes tax returns and balance sheets of self-employed applicants.
• Evaluates the adequacy of the applicant's income and the probability that the member will be able to meet expected financial obligations. Assesses family support requirements. Compares previous housing expenses with proposed expenses. Examines income trends and determines possibilities for increased income in future years.
• Assesses potential borrower's assets. Ensures that assets meet closing requirements, are derived from acceptable sources, and that acceptable levels of reserves will remain after closing.
• Reviews borrower's credit. Reviews the manner in which obligations have been met and financial affairs managed. Investigates derogatory credit. Ensures that all previous mortgage histories are rated and all debts are appropriately listed and rated.
• Orders private mortgage insurance in compliance with PMI guidelines.
• Completes all underwriting functions in accordance with various program requirements, Credit Union standards, and related legal and regulatory requirements.
• Completes related documentation and reports. Maintains files and ensures their completeness.
• Ensures that all lending conditions have been satisfactorily met prior to closing. Ensures the marketability of closed loans and the safety of Credit Union assets.
• Assumes responsibility for establishing and maintaining effective communication and coordination with Credit Union personnel and with management.
• Assumes responsibility for establishing and maintaining professional working relations with members and external lending professionals and governmental agencies.

Education/Certification:

• High school diploma required
• Bachelor's degree in business or related field preferred.

Experience Required:

• Three years of directly related experience in the credit field required.
• DE (Direct Endorsement) qualification from housing and urban development and can underwriter and approve government loans required.
• Licensed Mortgage Underwriter with direct experience operating under the LAPP/SAR (Lender Appraisal Processing Program / Staff Appraisal Reviewer) authority, actively issuing Notices of Value (NOVs) within the past year required.
• Proven expertise reviewing, analyzing, and approving residential appraisals in compliance with Fannie Mae guidelines preferred.
• Extensive experience utilizing Desktop Underwriter (DU) for automated underwriting decisions, risk assessment, and loan eligibility validation preferred.
• Strong background in credit, income, asset, and collateral analysis to support sound underwriting decisions preferred.
• Demonstrated ability to ensure regulatory compliance, maintain quality control, and mitigate lending risk preferred.
• Two years of Financial Institution experience preferred.
• Experience in general mortgage or real estate lending required.
• Experience with calculating loan-to-value and debt to income preferred.

Required knowledge, skills and abilities

• Knowledge of financial statements, credit reports, tax returns, and appraisals preferred.
• Full understanding of FHA, VA, and conventional underwriting requirements preferred.
• Knowledge of Credit Union lending programs, policies, procedures, and standards preferred.
• Able to use all related computer applications preferred.
• Knowledge of real estate closing documents, loan products, and lending compliance and Regulations preferred.
• Knowledge of all applicable regulations and laws preferred.
• Strong interpersonal skills with the ability to work well with members and other employees
• Maintain professional appearance and conduct
• Teamwork skills
• Multi-task and detail oriented
• Ability to work within tight deadlines
• Problem solving ability of moderate difficulty handling high dollar financial transactions
• Ability to manage irate members in a professional manner
• Proficient with Microsoft Office Suite

To apply for this exciting opportunity, visit our careers page at

Kirtland Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.