Home Loan Underwriting - Sr Home Loan Gov Underwriter

Job Title: Sr Home Loan Gov Underwriter

Status: Non-exempt

Reports to: Manager - Home Loan Underwriting

Department: Home Loan Underwriting

Job Code: 1836

Pay Range: $49.55 - $52.00 Hourly

Location:

WHO WE ARE:

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE:

You are a detail-oriented mortgage underwriting professional with deep expertise in FHA, VA, USDA, and other government-backed loan programs. You excel at analyzing complex financial and property documentation, making sound credit decisions, and ensuring compliance with agency, investor, regulatory, and credit union requirements. With strong problem-solving, communication, and loan structuring skills, you partner effectively with lending teams to deliver timely, accurate decisions while supporting an exceptional member experience.

WHAT YOU'LL DO:

• Underwrite loan files received daily according to Federal Housing Administration (FHA), Veteran Affairs (VA), US Department of Agriculture (USDA), agency, investor and credit union policy and procedures.
• Originate and validate FHA and VA insured loans utilizing the U.S. Department of Housing and Urban Development’s (HUD) direct online system, FHA Connection and VA Portal, as applicable.
• Review and sign off underwriting conditions in accordance to credit union policy while maintaining established turn times.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
• Current knowledge of FHA, VA and USDA secondary market requirements regarding credit, income, disclosure and property that would also include, hands on experience using various agency related internet and computer based systems as necessary/required.
• Ability to analyze tax returns, credit and appraisal reports, fraud detection and other property or income related reports and documentation to insure that information meets agency, investor and credit union requirements.
• Organize and prioritize daily workload to insure compliance to credit union policy, procedures and established turnaround times.
• Communicate and interact with all pertinent vendors, servicers, agencies, investors, staff, brokers and members.
• Maintain a current working knowledge of mortgage industry and credit union standards and trends.
• Monitor and resolve any quality control or insuring issues on relevant files in a timely manner to prevent delays.
• Work with management to implement procedures to prioritize work within the underwriting and processing area as volume dictates.
• Ability to work closely with originations and operations staff to insure compliance with guidelines and policies of credit union and agency.
• Assist supervisor or manager with training of staff members.
• Assist supervisor or manager with prioritizing workflow as directed.

QUALIFICATIONS AND PREFERENCES:

• H.S. Diploma or General Education Degree (GED) required
• College degree or equivalent preferred
• 3+ years current FHA experience with DE, VA experience with LAPP/ SAR designation required
• 10+ years responsible real estate lending experience with a financial or banking institution performing underwriting analysis and functions required

WHY JOIN US:

Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.

DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS:

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.

If you will work at least 8 hours a week in San Francisco, then pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. Please note that, as an NCUA-insured financial institution, all selected candidates must satisfy the background screening requirements of the Federal Credit Union Act, which restricts employment of individuals with certain convictions.

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