Achieva Credit Union
Achieva is all about being there for our members, our community and each other – so why not start your career with us?
We employ more than 500 people throughout our 22‑county footprint, which means we’re a stable company with diverse opportunities for career growth. We value our team members and their feedback; they’ve helped build our warm, friendly culture and shape our outstanding benefits package. We’re also big on professional development and having fun along the way. It’s no wonder we’ve been ranked as one of the “Top Workplaces” every year since 2012.
Competitive pay
Up to 18 paid days off in the first year
Up to 15 paid holidays
Health and dental insurance (full‑time employees only)
Life and disability insurance (full‑time employees only)
Career pathing with professional development opportunities
Fitness reimbursement program
Free Achieva Checking Plus account
Voted as one of Tampa Bay Times "Top Places to Work" since 2012
Ranked #1 "Top Midsize Workplace" in 2016 according to the Tampa Bay Times
Voted as one of "Top Places to Work USA" in 2023 and 2024
Friendly environment that promotes growth
Dedicated to serving the local community
View a list of current job openings Achieva is an Equal Opportunity Employer and has a tobacco‑free environment.
Location:
Center Court
Dunedin, FL
Job Id:
475
# of Openings:
0
Purpose / Duties Responsible for maintaining consistent quality of loan files through the responsible review, analysis and decision of loan applications in accordance with established policies and procedures, providing a variety of mortgage services to the membership. Underwrites conventional, credit union portfolio, jumbo, construction, workout, modifications and FHA/VA loan applications. Has approval authority for more complex loan requests and exceptions to policy. Assist with on‑site investor audits and monthly quality control of closed loans, denied FHA loans and FNMA audit requests. Maintains a working knowledge of all services and operations of the credit union. Must participate in training annually, or as required for BSA and the Privacy Act.
Key Result Areas
Performs complete thorough analyses of loan files to determine compliance with credit union, investor, FHA/VA, Federal and State guidelines.
Underwrites Conforming, Jumbo, Portfolio, Construction, FHA & VA loans.
Approve, decline or counter offer loans within limits of assigned authority.
Underwrite a minimum of 45 loans per month. Maintain a daily workload as needed to ensure prompt turnaround time as indicated by VP of Real Estate.
Must be responsible to meet deadlines when heavy periods of volume exist throughout the month.
Function as technical resource to team.
Assist in correction of Delivery issues on specific files as required.
Support team members to identify potential solutions/alternatives for difficult/denied loans.
Assist in orientation and training of department personnel.
Maintain knowledge of underwriting guidelines and stay current with departmental requirements.
Measure all mortgage loan submissions for underwriting decisions based on department quality control and investor/regulatory compliance.
Ability to review complex tax returns personal and business related.
Ability to review Condo/PUD projects to ensure they meet salable or non‑warrantable guidelines.
Verify that the rate lock matches the underwriting files with the correct program, LTV, credit score.
Perform Second level reviews on loans recommended for denial. Evaluate the application to determine if three are any other products or alternative terms available before issuance of denial.
Perform Second Level Review on loans recommended for approval above another underwriters lending authority.
Evaluate the entire credit package and collateral for residential mortgage loans to ensure an investment quality loan product.
Check accuracy of all calculations.
Ensure that processing, closing and underwriting functions are performed in compliance with all investor, regulatory and credit union policies and procedures.
Assist with training of new underwriters and development of mortgage staff to increase knowledge related to product guideline and compliance.
Recommend the loan disposition of loan amounts in excess of authorized limit to VP of Real Estate Lending.
Maintain a minimum productivity level of 3 files for complete underwrite and minimum of 3 files for conditions to clear. Comply with credit union underwriting turnaround time.
Communicate loan decision to appropriate parties.
Be available to processors, closers and loan officers for general guideline interpretations and questions on specific loan files.
Respond to post closing reviews and audits in a timely fashion.
Perform related duties as directed by VP Real Estate Lending.
Attain and maintain knowledge of all credit union services.
Ensure compliance with legal requirements, lending regulations and internal policies and procedures.
Underwrite and approve 1st mortgage loan applications.
Update staff on changes to product guidelines, compliance and process.
Interface with other departments, vendors, and financial institutions to promote teamwork and high quality member service.
Maintain member confidentiality.
Attend required meetings and training sessions as requested.
Perform other essential job functions as required or assigned.
Responsible for upholding all credit union ethical standards.
Represents the credit union in a courteous and professional manner.
Perform other essential job functions as required or assigned.
Required Education
Associate's Degree in Business Administration or related field (or equivalent combination of education and experience)
Required Experience
Minimum of 5 years of recent Mortgage Underwriting experience (Conventional, FHA, VA, and Jumbo) with strong agency guideline knowledge.
Proficient with Mortgage Origination systems
Strong working knowledge of regulations and guidelines governing mortgage lending, inclusive of Fannie Mae/Freddie Mac, FHA/VA and private mortgage insurers as well as state and federal laws. Including ATR/QM Requirements.
Required Skills
Excellent Oral and Verbal communication Skills
Demonstrated ability to plan and organize
Demonstrated reasoning ability to collect data, establish facts and draw conclusions
Demonstrated ability to plan, schedule and coordinate work of others
High integrity and outstanding work ethic
Ability to work in a fast paced, fluid environment and be held to meet minimum production standards.
Must have proficient written and verbal communication skills
Proven knowledge of compliance and disclosure requirements
Proven knowledge of closing, post‑closing & quality control responsibilities.
Must have the ability to maintain highly confidential information
Must be able to demonstrate strong analytical skills, and the ability to demonstrate initiative and ability to take action on information and resolve non‑routine issues using sound business judgment.
Licenses / Certifications
NMLS required upon hire
Achieva Credit Union is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Achieva Participates in E‑Verify.
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Competitive pay
Up to 18 paid days off in the first year
Up to 15 paid holidays
Health and dental insurance (full‑time employees only)
Life and disability insurance (full‑time employees only)
Career pathing with professional development opportunities
Fitness reimbursement program
Free Achieva Checking Plus account
Voted as one of Tampa Bay Times "Top Places to Work" since 2012
Ranked #1 "Top Midsize Workplace" in 2016 according to the Tampa Bay Times
Voted as one of "Top Places to Work USA" in 2023 and 2024
Friendly environment that promotes growth
Dedicated to serving the local community
View a list of current job openings Achieva is an Equal Opportunity Employer and has a tobacco‑free environment.
Location:
Center Court
Dunedin, FL
Job Id:
475
# of Openings:
0
Purpose / Duties Responsible for maintaining consistent quality of loan files through the responsible review, analysis and decision of loan applications in accordance with established policies and procedures, providing a variety of mortgage services to the membership. Underwrites conventional, credit union portfolio, jumbo, construction, workout, modifications and FHA/VA loan applications. Has approval authority for more complex loan requests and exceptions to policy. Assist with on‑site investor audits and monthly quality control of closed loans, denied FHA loans and FNMA audit requests. Maintains a working knowledge of all services and operations of the credit union. Must participate in training annually, or as required for BSA and the Privacy Act.
Key Result Areas
Performs complete thorough analyses of loan files to determine compliance with credit union, investor, FHA/VA, Federal and State guidelines.
Underwrites Conforming, Jumbo, Portfolio, Construction, FHA & VA loans.
Approve, decline or counter offer loans within limits of assigned authority.
Underwrite a minimum of 45 loans per month. Maintain a daily workload as needed to ensure prompt turnaround time as indicated by VP of Real Estate.
Must be responsible to meet deadlines when heavy periods of volume exist throughout the month.
Function as technical resource to team.
Assist in correction of Delivery issues on specific files as required.
Support team members to identify potential solutions/alternatives for difficult/denied loans.
Assist in orientation and training of department personnel.
Maintain knowledge of underwriting guidelines and stay current with departmental requirements.
Measure all mortgage loan submissions for underwriting decisions based on department quality control and investor/regulatory compliance.
Ability to review complex tax returns personal and business related.
Ability to review Condo/PUD projects to ensure they meet salable or non‑warrantable guidelines.
Verify that the rate lock matches the underwriting files with the correct program, LTV, credit score.
Perform Second level reviews on loans recommended for denial. Evaluate the application to determine if three are any other products or alternative terms available before issuance of denial.
Perform Second Level Review on loans recommended for approval above another underwriters lending authority.
Evaluate the entire credit package and collateral for residential mortgage loans to ensure an investment quality loan product.
Check accuracy of all calculations.
Ensure that processing, closing and underwriting functions are performed in compliance with all investor, regulatory and credit union policies and procedures.
Assist with training of new underwriters and development of mortgage staff to increase knowledge related to product guideline and compliance.
Recommend the loan disposition of loan amounts in excess of authorized limit to VP of Real Estate Lending.
Maintain a minimum productivity level of 3 files for complete underwrite and minimum of 3 files for conditions to clear. Comply with credit union underwriting turnaround time.
Communicate loan decision to appropriate parties.
Be available to processors, closers and loan officers for general guideline interpretations and questions on specific loan files.
Respond to post closing reviews and audits in a timely fashion.
Perform related duties as directed by VP Real Estate Lending.
Attain and maintain knowledge of all credit union services.
Ensure compliance with legal requirements, lending regulations and internal policies and procedures.
Underwrite and approve 1st mortgage loan applications.
Update staff on changes to product guidelines, compliance and process.
Interface with other departments, vendors, and financial institutions to promote teamwork and high quality member service.
Maintain member confidentiality.
Attend required meetings and training sessions as requested.
Perform other essential job functions as required or assigned.
Responsible for upholding all credit union ethical standards.
Represents the credit union in a courteous and professional manner.
Perform other essential job functions as required or assigned.
Required Education
Associate's Degree in Business Administration or related field (or equivalent combination of education and experience)
Required Experience
Minimum of 5 years of recent Mortgage Underwriting experience (Conventional, FHA, VA, and Jumbo) with strong agency guideline knowledge.
Proficient with Mortgage Origination systems
Strong working knowledge of regulations and guidelines governing mortgage lending, inclusive of Fannie Mae/Freddie Mac, FHA/VA and private mortgage insurers as well as state and federal laws. Including ATR/QM Requirements.
Required Skills
Excellent Oral and Verbal communication Skills
Demonstrated ability to plan and organize
Demonstrated reasoning ability to collect data, establish facts and draw conclusions
Demonstrated ability to plan, schedule and coordinate work of others
High integrity and outstanding work ethic
Ability to work in a fast paced, fluid environment and be held to meet minimum production standards.
Must have proficient written and verbal communication skills
Proven knowledge of compliance and disclosure requirements
Proven knowledge of closing, post‑closing & quality control responsibilities.
Must have the ability to maintain highly confidential information
Must be able to demonstrate strong analytical skills, and the ability to demonstrate initiative and ability to take action on information and resolve non‑routine issues using sound business judgment.
Licenses / Certifications
NMLS required upon hire
Achieva Credit Union is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Achieva Participates in E‑Verify.
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