Sr. Home Loan Underwriter

Job DetailsLevel: ExperiencedJob Location: South Richland HQ - Richland, WA 99352Position Type: Full Time - HourlyEducation Level: High SchoolSalary Range: $34.60 - $57.67 HourlyTake 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 it’s 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 Sr. Home Loan Underwriter 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 proven the ability to handle significant responsibilities in addition to the Mortgage Underwriter II role. This position acts as a resource for other Underwriters and Operations staff, answering questions, conducting training and acting as a mentor.

What You Will Be Doing

Analyze income, credit, assets, and loan application according to company and agency underwriting guidelines to produce a sound credit decision
Comply with TRID, Ability to Repay/Qualified Mortgage rules and other compliance regulations
Ensure Loan Origination System reflects accurate loan data
Perform a thorough analysis of collateral to ensure property meets company and agency guidelines and the appraisal quality and completeness is acceptable
Works in tandem with loan officers and operations staff to address loan conditions, questions, issues, and problem solves
Collaborate with management on counter offers and exceptions
Issue denials, suspensions, and counteroffers
Maintain ongoing knowledge of company and agency guidelines, updates, and trends
Manage a pipeline and achieve production and turn-time standards set forth by management
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
Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism
Willingly perform other job-related projects and duties as assigned, self-initiating assistance to team members when appropriate
Provide support, training, coaching, and mentoring as the subject-matter expert for the underwriting team to maintain organizational consistency
Assist in internal audits and external exams as applicable
Work with management on FHA and VA UW approval authority projects

About You

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

QualificationsWhat You Will Need

High school diploma; or equivalent completion of specialized course of study, training, and experience
Minimum of five (5) years of relevant mortgage loan underwriting experience required
Minimum of three (3) years’ experience with correspondent lending desired
FHA DE or VA LAPP SAR desired
Expert experience with loan origination software as it pertains to job functions
Proven success maintaining monthly goals
Proficient with standard Microsoft Office Suite
Some travel is required to achieve training and business objectives

Our Team Member Value Proposition

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

20 days/year 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

Full Salary Range

Richland, WA: $34.60- $57.67

Spokane, WA: $34.60- $57.67

*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 what’s 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 (509) 378-3100 or [email protected] 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 (gesa.com)