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Mortgage Underwriter
Job
Navy Federal Credit Union
Pensacola, FL (In Person)
Full-Time
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Job Description
To evaluate and underwrite all mortgage loan types offered by Navy Federal Credit Union (NFCU) according to specific state and federal requirements to limit the risk exposure to NFCU's mortgage portfolio. To analyze required loan documentation and information presented in the mortgage loan request, to condition and make appropriate loan decisions based on the acceptability of the credit risk using established guidelines of NFCU, secondary market investors, and applicable state and government regulations. Works on assignments that are semi-routine in nature; recognizes the need for occasional deviation from accepted practice. Follows established procedures, requires limited instructions on new assignments. Works under supervision from higher level peers and leadership. Participate in basic research/review. 3 years of experience in mortgage lending Intermediate knowledge of mortgage/equity loan processing, closing and documentation requirements and regulations Familiarity with underwriting process and understanding of applicable criteria, guidelines, rules and regulations Basic database and presentation software skills Basic organizational, planning and time management skills Basic research, analytical, and problem solving skills Basic skill conducting complex personal and business financial analysis Basic skill exercising initiative and using good judgement to make sound decisions Basic verbal and written communication skills Basic word processing and spreadsheet software skills Desired Qualifications Basic skill in underwriting self-employed borrowers Basic skill conducting complex personal and business financial analysis