Hybrid Mortgage Underwriter III bei Mortgage Center, LLC

Do you have a passion for analyzing complex financial data to make sound lending decisions? In the Mortgage Underwriter III role, you’ll play a critical role in ensuring mortgage loans meet investor and regulatory guidelines while supporting our mission to serve credit union members.

You’ll be responsible for:

• Reviewing and analyzing underwriting documentation, including applications, employment, income, assets, liabilities, credit history, purchase agreements, and appraisals to make prudent lending decisions.
• Identifying potential risks and mitigating factors that could impact a borrower’s ability to repay the loan and ensuring loan files contain appropriate documentation to meet investor and regulatory requirements.
• Communicating professionally with third-party vendors and internal staff to gather information and resolve loan concerns.
• Maintaining up-to-date knowledge of underwriting standards and best practices.
• Underwriting a variety of mortgage types, including conventional, construction, VA, USDA, FHA, MSHDA, and credit union exclusive mortgages.
• Acting as a production liaison to support operations, sales, and marketing teams with product questions and loan structuring.

You’ll have the opportunity to:

• Apply your expertise to analyze complex loan requests, including cash flow analysis of business and personal tax returns.
• Collaborate with a dynamic team in a fast-paced, highly regulated environment to ensure compliance and efficiency.
• Contribute to the success of Mortgage Center by making informed decisions that support our credit union partners and their members.

You’ll have:

• High school diploma or equivalent.
• At least five  (5) years of experience underwriting conventional and government mortgages      in a secondary marketing environment or equivalent.
• Experience with DU/LP/GUS systems.
• Direct Endorsement (DE) FHA certification required; Lender Appraisal Processing Program (LAPP) VA certification a plus.
• Demonstrated ability to analyze complex loan requests, including cash flow analysis.
• Proficiency in Microsoft Outlook, Word, Excel, and Loan Origination Systems (LOS).
• Strong knowledge of Fannie Mae and FHA guidelines; knowledge of Freddie Mac, VA, MSHDA, and Rural Development guidelines preferred.
• Strong decision-making, organizational, and problem-solving skills with the ability to multi-task as well as excellent, professional verbal and written communication skills.
• Strong mathematical skills, including the ability to compute ratios and percentages.

Who We Are

We are Mortgage Center, a Credit Union Service Organization (CUSO). Since 1990, we’ve been originating mortgages for credit unions and ourselves. The mortgage industry is a fun, fast-paced, and dynamic place to work. If you thrive in a collaborative environment with high-performing teams doing exhilarating work, Mortgage Center is the place for you!

Growth Opportunities

We’re always looking for smart, ambitious individuals ready to revolutionize the mortgage CUSO industry! If you bring new ideas and create exceptional results, you’ll find opportunities to grow and be rewarded. Mortgage Center always has room for one more talented person.

Our Advice

Click the button and apply. Don’t wait. If you’re worried about your qualifications, don’t be. We hire smart, talented people for all kinds of roles because they figure things out—fast. You can do this!