Residential Mortgage Underwriter – Portsmouth NH Position Available In Rockingham, New Hampshire

Residential Mortgage Underwriter – Portsmouth

NH 3.8 3.8

out of 5 stars 3003 Lafayette Road, Portsmouth, NH 03801 Service Credit Union is seeking a full-time Residential Mortgage Underwriter where you will be responsible for completing the timely and accurate underwriting of all real estate loans, including but not limited to, first mortgage loans and home equity loans and lines of credit in strict adherence to secondary market guidelines, Service CU policies and procedures, NCUA policies CFPB and Federal and State Regulations, support all other areas of loan production and servicing as needed.

Pay:

Starting at $25.60 per hour. Flexible based on experience.

Benefits Include:

Great health and dental benefits starting day one! PTO, long-term disability, and paid holidays. 401k with 8% company contribution after one year of employment. Paid leave policy after 12 consecutive months of employment. Free confidential mental health support program with Talkspace Free identify theft protection through IdentityForce. Tuition reimbursement. Training and career growth opportunities. The Day to

Day:

Professionally and effectively perform the following responsibilities, with an emphasis on member service and teamwork: Responsible for comprehensive review of credit, income, and asset documentation to assure adherence with CFPB Ability to Repay and/or FNMA Delegated Underwriting findings. Underwrite all conventional first and second lien real estate loans within seventy- two hours or less of submission in accordance with secondary market guidelines, Service CU policies and procedures, NCUA policies and Federal and State Regulations. Administer

FNMA/FHLM

automated underwriting and collateral review systems. Responsible for a comprehensive review of all appraisals in accordance with secondary market guidelines and FNMA Collateral Underwriter, assuring adherence with all appraisal independence safeguards. Assure mortgage insurance is properly requested and obtained to meet secondary market guidelines and mortgage insurance overlays. Accurate and timely review of all outstanding loan conditions to assure they are properly satisfied prior to loan closing. Perform other job-related duties as assigned.

Experience and Qualifications:

Minimum three years’ experience in the real estate lending industry. High school diploma or equivalent required. Ellie Mae Principals of Conventional Underwriting Certificate Previous experience in underwriting and/or processing

FNMA/FHLMC

loans preferred. Experienced with mortgage related Federal Regulations. Ability to effectively manage multiple priorities in a fast-paced work environment. Ability to work independently as well as with others. Strong ability to accurately perform detailed functions within allocated time periods. Excellent interpersonal, presentation and organizational skills. Ability to communicate clearly and effectively verbally and in writing. Proficient with Excel, Microsoft Outlook, Word, Power point, and various web-based applications required. At Service Credit Union we celebrate our employees’ diverse backgrounds, ethnicities, gender identities, spiritual practices, abilities, and all the other traits that make us individuals. We follow the adage of treating others how we want to be treated while striving for understanding. Together, we create a unique credit union capable of serving our members needs with the same respect, empathy, and kindness we give each other.

Equal Opportunity Employer Job Type:

Full-time Pay:

From $25.60 per hour

Benefits:

401(k) Dental insurance Employee assistance program Flexible spending account Health insurance Health savings account Life insurance Paid time off Tuition reimbursement Vision insurance

Schedule:

Day shift

Education:

High school or equivalent (Required)

Work Location:

In person