Mortgage Originator- Remote

Mortgage Loan UnderwriterWorking 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 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.Responsible for reviewing and underwriting mortgage loans. Identifies, analyzes, and evaluates loan risks and compensating factors, and ensures the marketability of closed loans and the safety of Credit Union assets. Approves, suspends, or denies loan applications. Ensures that loans are approved within the terms of the Credit Union's standards and procedures, regulatory underwriting guidelines, and FHA, VA, and other secondary market requirements. Provides support to Mortgage Loan Personnel. Support the credit union's mission, vision, values, strategic goals, and service standards.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.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. Compares previous housing expenses with proposed expenses. 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.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.Education/Certification:High school diploma requiredBachelor's degree in business or related field preferred.Experience: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 preferred.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 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.Knowledge of financial statements, credit reports, tax returns, and appraisals 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.Strong interpersonal skills with the ability to work well with members and other employeesMaintain professional appearance and conductTeamwork skillsMulti-task and detail orientedAbility to work within tight deadlinesProblem solving ability of moderate difficulty handling high dollar financial transactionsAbility to manage irate members in a professional mannerProficient with Microsoft Office SuiteKirtland 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.