About this role
Looking to make a meaningful impact on your community? At Connex Credit Union, were seeking passionate and diverse individuals who are driven to help improve the financial well-being of others.
At Connex, youre more than an employee, youre part of a team that values trust, collaboration, and delivering exceptional service. With a strong history of success and a commitment to our employees, members, and communities, we continue to grow while creating opportunities for our team members to thrive.
If youre looking for a rewarding career where you can make a difference, grow professionally, and be part of an inclusive organization, we encourage you to join us on our mission.
What we offer:
Competitive compensation
Medical, Dental, and Vision coverage
Paid time off
401(k) plan with company match
Tuition reimbursement opportunities
Opportunities to participate in community outreach and make a local impact
Join a team where your work matters and your contributions make a difference.
Qualifications
A loan underwriters primary role within the organization is to evaluate consumer and home equity loan requests using standard underwriting guidelines in order to obtain a loan decision and to ensure compliance of the loan, based on knowledge of credit union practices and procedures. Underwriters demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making and are responsible for ensuring the credit union maintains a portfolio of safe and profitable loans. Underwriters maintain a working knowledge of all credit union and industry underwriting standards in order to ensure all applications that are underwritten are processed accurately and efficiently.
Essential Functions and Responsibilities: includes the following, and other duties may be assigned.
- Review, analyze and underwrite all home equity loans and consumer secured and unsecured loan requests. Serve as 2 nd level credit review for Home Equity products.
- Maintain consistent monitoring of Home Equity pipeline to ensure regulatory requirements are being met.
- Assemble and verify accuracy of closing documentation for loans. Ensure documentation is within all compliance and credit union guidelines.
- Evaluate real estate appraisals and complex title search issues, along with the ability to interpret income tax returns and other investment income sources.
- Make recommendations for exception approvals based on factors falling outside the realm of standard underwriting procedures and proactively counsel and suggest program alternatives to meet the borrowers needs.
- Contribute to the credit unions profitability by making consumer loans which meet standards for economic value and safety.
7. Adheres to all Credit Union policies and procedures. Responsible for compliance with the following regulations: TILA- RESPA , BSA, OFAC, HMDA, Regulation B, Fair Lending and other regulations, as required.
8. Coach originators, Branch Liaisons, and branch personnel with questions regarding underwriting and product knowledge.
9. Assist with HMDA compliance, including quarterly and annual reviews
10. Assist Underwriting Manager with monthly reports and 3 rd party Vendor monitoring.
Performance Measurements (if applicable):
Qualifications and Requirements:
- 3-5 years of consumer underwriting experience
- Bachelors degree
- Ability to organize and prioritize workload to meet deadlines.
- Understanding of mortgage auditing and quality control process.
- Ability to multi-task and must be detail oriented.
- Strong knowledge of consumer underwriting guidelines
- Strong proficiency in Microsoft Office applications
- Sound judgment, problem-solving, and decision-making abilities
- Flexible working schedule
Ability to work 40+ hours per week per assigned schedule
- Continued education through selected training courses