Why You'll Love Working at Quorum At Quorum Federal Credit Union, we are a cutting-edge credit union that operates as a technology company, delivering innovative financial solutions to our members. As a remote organization, we thrive on collaboration and recognize outstanding performance. We are the ideal workplace for self-motivated individuals who are committed to organizational success and eager to join a dynamic team of professionals. We stand out as a best-in-class employer, offering a unique and supportive work environment that fosters personal and professional growth. Our culture is built on valuing teamwork, recognizing achievements, and providing the tools and resources needed to excel. If you are looking for a place where you can make a meaningful impact, enjoy a flexible and fulfilling work experience, and be part of a forward-thinking team, Quorum Federal Credit Union is the perfect fit for you. How You'll Make an Impact The Correspondent Mortgage Underwriter is responsible for review and underwriting all first and second mortgages within allocated approval authority. This position is 100% remote within the US. What You'll Be Doing

• Review and underwrite closed loan packages submitted by approved correspondent lenders for compliance with FNMA and internal guidelines.
• Validate income, assets, credit and collateral documentation to determine loan eligibility.
• Evaluate full closed loan packages for completeness and consistency, including final 1003, title policy, CD, and collateral documents.
• Review title and appraisal reports for acceptability and compliance with agency standards.
• Identify documentation discrepancies and request appropriate cures from sellers.
• Sign off loan conditions and prepare loan for purchase or suspense notification.
• Communicate clearly, timely and professionally with correspondent sellers regarding loan decisions, suspense conditions, and documentation needs.
• Collaborate with secondary market, closing, and post-purchase teams to ensure smooth loan flow and timely purchase.
• Provide guidance to correspondents on investor guidelines and underwriting best practices when appropriate.
• Maintain up-to-date knowledge of agency and investor guidelines, credit policy updates, and regulatory changes.
• Assist in identifying patterns in loan defects or seller errors and recommend training or process improvements.
• Uphold compliance with fair lending, privacy, and anti-fraud regulations.
• Supports and fulfills Management requests related to audit preparation, sale preparation, HMDA reporting and more.
• Actively works with management and staff seeking process improvements to automate and/or streamline operations and maintain adequate controls.
• Promotes and maintains a positive work atmosphere by communicating in a manner consistent with professional standards to work effectively with members, co-workers, management, partners and vendors.
• Keeps abreast of industry developments including but not limited to changes in regulations and technology.
• Ensures adherence to company policies and procedures and Banking/Credit Union Regulations.
• Performs additional duties as required. What You Bring to the Team
• Bachelor's degree in finance, business administration or other related degree preferred.
• Minimum of four years of related experience at a credit union, bank or other financial institution.
• Must have hands-on experience with Encompass within the last 12 months, demonstrating proficiency in mortgage loan origination systems and underwriting processes.
• Excellent problem-solving, organizational, analytical, verbal and written communication skills.
• Strong decision making and time management skills with the ability to manage multiple projects/duties.
• Results driven, service oriented, self-motivated and able to work independently.
• Detailed knowledge of secondary market guidelines. Some knowledge of regulatory guidelines and issues.
• Comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS.
• Trustworthy with the ability to maintain the highest level of integrity and trust.
• Proficiency in Microsoft Office, specifically Word, Excel and PowerPoint. Related experience with loan origination systems. Tools & Work Environment
• Stable internet connection with speeds high enough for video conferencing and screen sharing
• Smartphone with current iOS/Android OS
• Prolonged periods sitting at a workstation and working on a computer
• Ability to communicate with coworkers and customers via email, chat, teleconference, and/or phone Where You Can Work Candidates must reside within the United States.

We are not able to consider applicants who reside in Montana, Nebraska, Rhode Island, or Puerto Rico. Quorum's opportunities are based in the U.S., and U.S. work authorization is required. We are not able to provide current or future sponsorship. Compensation & Rewards Compensation for this role is $36.05-$40.85 per hour. Benefits That Support You Excellent health insurance packages with a Health Reimbursement Account option Life, AD&D, Short-Term Disability and Travel Insurance 401k plan with company match dollar for dollar up to 6 percent

• Generous time-off policy with paid time off (PTO), volunteer time off (VTO), birthday PTO, and company-observed holidays Monthly stipend for wellness activities and mental health
• Tuition reimbursement Pet Benefits, including insurance, discounts, "pawternity" PTO day, and more Bonus/commission plan for qualifying roles Employee perks (including mortgage discounts!) PTO purchase and sell-back programs Rewards and peer recognition programs Trust-based, out-come oriented remote work environment for most roles
• After 6 months of service Important Compliance Information Quorum is an Equal Employment Opportunity employer.

Qualified applicants will be considered for employment without regard to race, color, religion, gender, sexual orientation, national origin, age, marital status, protected veteran status, or disability status. Quorum will make reasonable accommodations in compliance with the Americans with Disabilities Act of 1990. Reasonable accommodations are available upon request for applicants and/or employees with qualifying disabilities throughout the application and employment process. Qualified Applicants with arrest or conviction records will be considered for employment in accordance with all applicable federal, state, city and local laws, rules, and regulations. This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employee(s) will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. The company reserves the sole right and discretion to make changes to this job description. Each employee is required to uphold the Credit Union's compliance with all policies, procedures, and required regulations including the Bank Secrecy Act and our Anti-Money Laundering policy. This document does not create an employment contract, implied or otherwise, other than an "at-will" relationship.