Home Loan Underwriter II

Take a leap and join our team!

At Gesa we believe in the power of our people. Coming from all walks of life our team members individual stories and unique experiences are our most valuable asset. But its how we come together igniting our collective compassion and commitment to empowering our communities that makes us succeed. Because we know we go further when we go together.

Here you can join a team who is passionate about serving others has a desire to do good and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And you can rest assured that your wellbeing and prosperity are our priority.

Get to know us:About - Gesa Credit Union

Role Summary

The Home Loan Underwriter II is responsible for making consistent quality loan decisions on residential mortgage loans in accordance with company and agency standards. This person will be member focused and offer alternative solutions to meet the members financial needs. This role may be involved in several types of mortgage lending (Conventional Portfolio and Home Equity). This position has advanced wide-ranging job knowledge.

What You Will Be Doing:

1. Analyze income credit assets and loan application according to company and agency underwriting guidelines to produce a sound credit decision.
2. Comply with TRID Ability to Repay/Qualified Mortgage rule and other compliance regulations.
3. Ensure loan origination system reflects accurate loan data.
4. Perform a thorough analysis of collateral to ensure property meets company and agency guidelines and the appraisal quality and completeness is acceptable.
5. Works in tandem with production and operations staff to address loan conditions questions issues and problem solves.
6. Collaborate with management on counter offers and exceptions.
7. Issue denials suspensions and counteroffers.
8. Maintain ongoing knowledge of company and agency guidelines updates and trends.
9. Manage a pipeline and achieve production and turn-time standards set forth by management.
10. Display mutual respect trust and dignity while acting in the best interest of the credit union following all policies and procedures as expected by management. Lead by example by always displaying solid ethics and integrity.
11. Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism.
12. Willingly perform other job-related projects and duties as assigned self-initiating assistance to team members when appropriate.

About You:

1. Exhibited ability to perform with a high level of accuracy and attention to detail.
2. Proven ability to effectively communicate ideas and information both orally and in writing.
3. Demonstrated success in a deadline driven environment: adapting to changes and prioritizing competing demands.
4. Established in consistently contributing to positive moral of the team.
5. Consistently display interpersonal skills to relate effectively and professionally to peers and all levels of management.
6. Proven ability to work collaboratively in a diverse work group as well as independently with minimal supervision.

What You Will Need:

1. High school diploma or equivalent completion of specialized course of study training and experience.
2. Minimum of two (2) years of relevant mortgage loan underwriting experience required.
3. One (1) year experience in correspondent lending preferred.
4. Experience with loan origination software electronic file storage systems and AUS required.
5. Proficient with standard Microsoft Office Suite.
6. Some travel is required to achieve training and business objectives.

In exchange for bringing your talent to Gesa here are a just a few of the benefits and perks we offer:

• Competitive Pay
• Medical Dental Vision and Life Insurance
• 20days/year accrual of Paid Time Off Plus 10 Paid Holidays!
• 401(k) Match
• Incentive Program
• Tuition Assistance and Student Loan Repayment
• Commuter Benefits
• Paid Time Off to Volunteer in the Community
• Product discounts
• Engaging Work Environment
• Rewards and Recognition Programs

$29.90-$49.83

*While our full pay range is listed most new team members typically start between the minimum and midpoint based on their experience and qualifications. This approach gives room to grow within the role as your career progresses with us!

Get wise to whats possible with a career at Gesa. Join us!

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process to perform essential job functions and to receive other benefits and privileges of employment. Please contact the HR Department at or to request an accommodation.

Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.

Selected candidate(s) must be able to pass a pre-employment credit/background check.

Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.

Equal Employment Opportunity ()