Job Description

Redwood Credit Union is looking for a Mortgage Underwriter who will be responsible for reviewing all mortgage loan applications to ensure completeness and compliance with secondary and/or portfolio lending guidelines and policies.

ESSENTIAL FUNCTIONS:
Loan File Management

• Approve loans and make recommendations for loan approval up to established limits.

• Within department timelines, review loan files for accuracy, completeness and compliance.

• Review all denied loans for possible lending options to benefit the Member.

• Educate staff on changes to loan requirements.

• Identify cross sell opportunities that will benefit the Members and RCU.

• Ensure confidentiality and safeguard sensitive Member financial information.

• Recognize and evaluate the loan process and recommend changes that will help maintain maximum efficiency.

• Review and maintain all product guidelines to ensure accuracy with changes in the industry and changes in RCU loan policies.

• Audit first mortgage loan files to ensure completeness prior to funding.

• Develop operational and procedural changes necessary to address any issues or problems noted in quality control reports.