Real Estate Originations - Senior Real Estate Underwriter
Mission Fed Credit Union, San Diego, California, United States, 92189
Administrative - Horizon Center, 10325 Meanley Drive, San Diego, California, United States of America
Job Description Posted Friday, February 20, 2026 at 8:00 AM
At Mission Fed, we’re not just underwriting loans—we’re helping our members build their futures. As a Senior Real Estate Underwriter, you’ll be a trusted expert making high-impact lending decisions, navigating complex scenarios, and bringing deals to life—while ensuring full alignment with regulatory excellence.
In this role, you’ll evaluate complex mortgage transactions, ensure compliance with lending and investor guidelines, and assess risk to support sound decision-making. You’ll partner closely with originations, processing, and branch teams to clear conditions, provide guidance, and keep loans moving efficiently through the pipeline—all while delivering an exceptional member experience.
If this sounds like the right opportunity for you, we’d love to connect.
Want to know more? Here are a few more details.
Underwrite conforming, nonconforming, and jumbo loans including first mortgages, HELOCs, and equity loans
Analyze complex financials, including personal/business tax returns (1040, 1120, 1120S, 1065) to determine income and risk
Review and clear advanced underwriting conditions; recommend alternative solutions when needed
Evaluate appraisals, collateral, and purchase contracts for compliance and accuracy
Conduct default risk assessments and ensure compliance with ATR/QM, TRID, CFPB, and secondary market guidelines
Present exception loans and counteroffers to Loan Committee when applicable
Partner cross-functionally with processors, originators, and branch teams to ensure smooth loan progression
Provide guidance, second-level reviews, and mentorship to underwriters and team members
Maintain working knowledge of PMI guidelines and ensure proper coverage
Support continuous improvement by identifying process enhancements and efficiencies
What We’re Looking For
6+ years of mortgage underwriting experience
Strong knowledge of:
FNMA (DU) & FHLMC (LPA)
Conforming, nonconforming & jumbo loans
ATR/QM, TRID, CFPB, and regulatory compliance
Experience analyzing complex income structures and financial documents
Strong decision-making, analytical, and problem-solving skills
Ability to communicate clearly and collaborate cross-functionally
FNMA Desktop Underwriter (DU), DU Early Check
FHLMC Loan Product Advisor (LPA)
Black Knight Empower, OnBase
Microsoft Office Suite
What we offer:
The opportunity to work with a great team!
You can’t beat a role in sunny San Diego!
18 days of annual PTO, plus 12 holidays
6% 401(k) match
Full benefits package including medical, dental, vision, life insurance, and so much more
On-site gym
If this sounds like an amazing opportunity to you (because ya, it is!), we want to hear from you!
Base Pay/Salary: $100,800 - $123,200 per year*
*Actual base pay within this range will be determined by several components, including but not limited to, relevant experience, internal equity, skills, qualifications, and other job-related factors permitted by law.
Your privacy is very important to Mission Federal Credit Union. The California Consumer Privacy Act (“CCPA”)/ California Privacy Rights Act (CPRA) requires Mission Federal Credit Union to inform California residents, including job applicants, of the categories of personal information we collect and the purpose for which the personal information will be used. This job applicant notice and the CCPA/CPRA notice provides the disclosures required by the CCPA/CPRA and applies only to applicants who aresubject to the CCPA/CPRA.
Mission Federal Credit Union is an Equal Opportunity Employer. All applicants will receive consideration without regard to race, sex, color, creed, religion, age, marital status, sexual orientation, national origin, physical or mental disability, veteran status, or any other class protected by law.
INDMF #Li-Hybrid
Administrative - Horizon Center, 10325 Meanley Drive, San Diego, California, United States of America
#J-18808-Ljbffr
Job Description Posted Friday, February 20, 2026 at 8:00 AM
At Mission Fed, we’re not just underwriting loans—we’re helping our members build their futures. As a Senior Real Estate Underwriter, you’ll be a trusted expert making high-impact lending decisions, navigating complex scenarios, and bringing deals to life—while ensuring full alignment with regulatory excellence.
In this role, you’ll evaluate complex mortgage transactions, ensure compliance with lending and investor guidelines, and assess risk to support sound decision-making. You’ll partner closely with originations, processing, and branch teams to clear conditions, provide guidance, and keep loans moving efficiently through the pipeline—all while delivering an exceptional member experience.
If this sounds like the right opportunity for you, we’d love to connect.
Want to know more? Here are a few more details.
Underwrite conforming, nonconforming, and jumbo loans including first mortgages, HELOCs, and equity loans
Analyze complex financials, including personal/business tax returns (1040, 1120, 1120S, 1065) to determine income and risk
Review and clear advanced underwriting conditions; recommend alternative solutions when needed
Evaluate appraisals, collateral, and purchase contracts for compliance and accuracy
Conduct default risk assessments and ensure compliance with ATR/QM, TRID, CFPB, and secondary market guidelines
Present exception loans and counteroffers to Loan Committee when applicable
Partner cross-functionally with processors, originators, and branch teams to ensure smooth loan progression
Provide guidance, second-level reviews, and mentorship to underwriters and team members
Maintain working knowledge of PMI guidelines and ensure proper coverage
Support continuous improvement by identifying process enhancements and efficiencies
What We’re Looking For
6+ years of mortgage underwriting experience
Strong knowledge of:
FNMA (DU) & FHLMC (LPA)
Conforming, nonconforming & jumbo loans
ATR/QM, TRID, CFPB, and regulatory compliance
Experience analyzing complex income structures and financial documents
Strong decision-making, analytical, and problem-solving skills
Ability to communicate clearly and collaborate cross-functionally
FNMA Desktop Underwriter (DU), DU Early Check
FHLMC Loan Product Advisor (LPA)
Black Knight Empower, OnBase
Microsoft Office Suite
What we offer:
The opportunity to work with a great team!
You can’t beat a role in sunny San Diego!
18 days of annual PTO, plus 12 holidays
6% 401(k) match
Full benefits package including medical, dental, vision, life insurance, and so much more
On-site gym
If this sounds like an amazing opportunity to you (because ya, it is!), we want to hear from you!
Base Pay/Salary: $100,800 - $123,200 per year*
*Actual base pay within this range will be determined by several components, including but not limited to, relevant experience, internal equity, skills, qualifications, and other job-related factors permitted by law.
Your privacy is very important to Mission Federal Credit Union. The California Consumer Privacy Act (“CCPA”)/ California Privacy Rights Act (CPRA) requires Mission Federal Credit Union to inform California residents, including job applicants, of the categories of personal information we collect and the purpose for which the personal information will be used. This job applicant notice and the CCPA/CPRA notice provides the disclosures required by the CCPA/CPRA and applies only to applicants who aresubject to the CCPA/CPRA.
Mission Federal Credit Union is an Equal Opportunity Employer. All applicants will receive consideration without regard to race, sex, color, creed, religion, age, marital status, sexual orientation, national origin, physical or mental disability, veteran status, or any other class protected by law.
INDMF #Li-Hybrid
Administrative - Horizon Center, 10325 Meanley Drive, San Diego, California, United States of America
#J-18808-Ljbffr