University of Hawaii Federal Credit Union | Posted Feb 24, 2026
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Full-time
Hawaii
Advanced (5-10 yrs)
DO YOU WANT TO MAKE A DIFFERENCE? Join a spirited, dynamic team with Hawai`i’s leading credit union as we make a difference in our community – providing financial value, exceptional service, and state‑of‑the‑art convenience to our members.
Position Title Mortgage Underwriter
Department Mortgage Lending
FLSA Classification Non‑Exempt
Reports to Mortgage Lending Manager
Employee Benefits
Medical Insurance which Includes Drug and Vision; Company pays 100% of Employee's Self-Coverage; PLUS, a Company Paid Subsidy Towards Family-Coverage
Dental Insurance; Company Pays 100% of Employee's Self-Coverage and Employee Pays for Low-Cost Family-Coverage
Medical and Dental Plan Premium Waiver Option
401(k) Retirement Plan with Employer Match and Non‑Elective Contribution (NEC)
Eligible to Earn Thirty-Five (35+) Paid Days Off a Year
Vacation Cash-Out Program
Flexible Spending Accounts: Healthcare and Dependent Care (Pre‑Tax Benefit)
Company Pays for Employee Group Basic Life With AD&D Insurance
Company Pays for Employee Long Term Disability Insurance
Voluntary Accident Recovery, Critical Illness + Cancer, and Hospital Insurance
Employee Assistance Program (EAP)
Employee Loan Discount
Company Subsidizes 50% for Adult Monthly Bus Pass
Cash Reward Employee Referral Program
Workiversary Cash Reward and Gifts
Internal and External Professional Development Opportunities
And Many More!
Position Purpose This position is responsible for reviewing, analyzing, approving, and underwriting difficult, complex individual consumer requests and products within company and industry guidelines. Functions include reviewing financial statements, credit reports, and applicable ratios (i.e. debt-to-income, loan-to-value); examining transactions to ensure accuracy and completeness; preparing formal reports for review; ensuring that documents are consistent and uphold to company and industry guidelines; applying fraud detection techniques, performing compliance reviews; assisting with re‑structuring of loans based on lending guidelines, serving as a consultant/technical resource on difficult problems and questions; providing work direction, feedback and training to junior underwriting and processing staff including mentoring lower level underwriters and processors on credit decisioning, department procedures and policies; delivering/facilitating of technical training to ensure organizational consistency. This position also assists with the processing and closing of residential mortgages in all stages to ensure compliance. May act as a team lead and provide performance feedback to less senior department members. May act as backup in absence of Supervisor.
Essential Functions
Evaluate loans pursuant to quality control, internal and agency guidelines.
Responsible for the accuracy of all information in the loan files to meet quality control standards and portfolio and secondary marketing investor guidelines.
Ensures compliance with all regulatory policies and procedures.
Recommends improvements in procedures and processes as necessary to ensure the optimum efficiency and effectiveness of the credit union.
Performs other duties as required.
Performance Standards
Provides excellent member service (internally & externally).
Assists department to achieve loan production volumes as determined annually.
Keeps up to date on credit union and secondary market policies, procedures, and services.
Loans are processed accurately and timely.
Executed documents are accurate and in compliance with all lending policies.
Qualifications Education/Certification High school diploma or GED required. Business school, associate degree or equivalent is a plus.
Required Knowledge
Basic understanding of MS Office Suite.
Strong understanding of lending regulations.
Strong understanding in processing/underwriting procedures.
Strong understanding of the State of Hawaii real property laws/regulations such as land court, Ohana dwellings, ADU’s, lava zones, and various types of leasehold properties.
Proficient in income analysis including complex variable income, self‑employed, retirement, seasonal, REO, etc.
General understanding of condo projects and agency guidelines, both new and existing.
Experience Required Recent direct underwriting experience (3 or more years) in Mortgage Loan Operations, which includes processing and closing conventional first mortgage loans pursuant to Fannie Mae, Freddie Mac, and other secondary market investor guidelines.
Experience underwriting loans with mortgage insurance, delegated authority experience is a plus.
Familiar with various first‑time homebuyer, down payment assistance programs, and affordable housing programs offered through federal and state/local agencies such as HHFDC, HHOC, City and County of Honolulu.
Expertise with Loan Origination Systems (LOS) and Automated Underwriting Systems (DU/LP) technology involved in the loan process.
Skills/Abilities
Excellent verbal and written communication skills.
Excellent analytical, creative, and problem-solving skills.
Able to prioritize workload and meet deadlines.
Able to work independently and make sound decisions.
Able to handle stressful situations.
Able to manually calculate DTI/LTV outside of the LOS.
Other Desired Skills
Experience evaluating files for Post‑Close QC audits
Experience working on new project developments
Experience leading individuals in a production environment
Experience with government underwriting including FHA, VA, USDA
Activities and Requirements of this Position Repetitive Motion:
Movements frequently and regularly required using wrists, hands, and/or fingers.
Communication Skills:
Must frequently convey detailed or important instructions of ideas accurately and quickly.
Visual Abilities:
Average visual acuity necessary to read, prepare and inspect documents or products.
Hearing:
Able to hear average or normal conversations and receive information.
Physical Strength:
Sedentary work (sitting most of the time). Able to lift and carry up to 25 lbs.
Reasoning Ability:
Able to apply common sense understanding to carry‑out detailed instructions and to deal with problems involving variables.
Mathematics Ability:
Able to perform basic math skills including adding, subtracting, multiplying, and dividing using a calculator.
Language Ability:
Able to write complex sentences using normal word order with present and past tenses, as well as a command of the English vocabulary.
Working Conditions:
Air‑conditioned, smoke‑free office setting.
Attendance Requirements:
Please note that scheduled attendance requirements may change due to business needs.
Business Hours Monday through Friday. Business hours are subject to change. Must be able to work additional hours, weekends, and holidays as needed.
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Apply
Full-time
Hawaii
Advanced (5-10 yrs)
DO YOU WANT TO MAKE A DIFFERENCE? Join a spirited, dynamic team with Hawai`i’s leading credit union as we make a difference in our community – providing financial value, exceptional service, and state‑of‑the‑art convenience to our members.
Position Title Mortgage Underwriter
Department Mortgage Lending
FLSA Classification Non‑Exempt
Reports to Mortgage Lending Manager
Employee Benefits
Medical Insurance which Includes Drug and Vision; Company pays 100% of Employee's Self-Coverage; PLUS, a Company Paid Subsidy Towards Family-Coverage
Dental Insurance; Company Pays 100% of Employee's Self-Coverage and Employee Pays for Low-Cost Family-Coverage
Medical and Dental Plan Premium Waiver Option
401(k) Retirement Plan with Employer Match and Non‑Elective Contribution (NEC)
Eligible to Earn Thirty-Five (35+) Paid Days Off a Year
Vacation Cash-Out Program
Flexible Spending Accounts: Healthcare and Dependent Care (Pre‑Tax Benefit)
Company Pays for Employee Group Basic Life With AD&D Insurance
Company Pays for Employee Long Term Disability Insurance
Voluntary Accident Recovery, Critical Illness + Cancer, and Hospital Insurance
Employee Assistance Program (EAP)
Employee Loan Discount
Company Subsidizes 50% for Adult Monthly Bus Pass
Cash Reward Employee Referral Program
Workiversary Cash Reward and Gifts
Internal and External Professional Development Opportunities
And Many More!
Position Purpose This position is responsible for reviewing, analyzing, approving, and underwriting difficult, complex individual consumer requests and products within company and industry guidelines. Functions include reviewing financial statements, credit reports, and applicable ratios (i.e. debt-to-income, loan-to-value); examining transactions to ensure accuracy and completeness; preparing formal reports for review; ensuring that documents are consistent and uphold to company and industry guidelines; applying fraud detection techniques, performing compliance reviews; assisting with re‑structuring of loans based on lending guidelines, serving as a consultant/technical resource on difficult problems and questions; providing work direction, feedback and training to junior underwriting and processing staff including mentoring lower level underwriters and processors on credit decisioning, department procedures and policies; delivering/facilitating of technical training to ensure organizational consistency. This position also assists with the processing and closing of residential mortgages in all stages to ensure compliance. May act as a team lead and provide performance feedback to less senior department members. May act as backup in absence of Supervisor.
Essential Functions
Evaluate loans pursuant to quality control, internal and agency guidelines.
Responsible for the accuracy of all information in the loan files to meet quality control standards and portfolio and secondary marketing investor guidelines.
Ensures compliance with all regulatory policies and procedures.
Recommends improvements in procedures and processes as necessary to ensure the optimum efficiency and effectiveness of the credit union.
Performs other duties as required.
Performance Standards
Provides excellent member service (internally & externally).
Assists department to achieve loan production volumes as determined annually.
Keeps up to date on credit union and secondary market policies, procedures, and services.
Loans are processed accurately and timely.
Executed documents are accurate and in compliance with all lending policies.
Qualifications Education/Certification High school diploma or GED required. Business school, associate degree or equivalent is a plus.
Required Knowledge
Basic understanding of MS Office Suite.
Strong understanding of lending regulations.
Strong understanding in processing/underwriting procedures.
Strong understanding of the State of Hawaii real property laws/regulations such as land court, Ohana dwellings, ADU’s, lava zones, and various types of leasehold properties.
Proficient in income analysis including complex variable income, self‑employed, retirement, seasonal, REO, etc.
General understanding of condo projects and agency guidelines, both new and existing.
Experience Required Recent direct underwriting experience (3 or more years) in Mortgage Loan Operations, which includes processing and closing conventional first mortgage loans pursuant to Fannie Mae, Freddie Mac, and other secondary market investor guidelines.
Experience underwriting loans with mortgage insurance, delegated authority experience is a plus.
Familiar with various first‑time homebuyer, down payment assistance programs, and affordable housing programs offered through federal and state/local agencies such as HHFDC, HHOC, City and County of Honolulu.
Expertise with Loan Origination Systems (LOS) and Automated Underwriting Systems (DU/LP) technology involved in the loan process.
Skills/Abilities
Excellent verbal and written communication skills.
Excellent analytical, creative, and problem-solving skills.
Able to prioritize workload and meet deadlines.
Able to work independently and make sound decisions.
Able to handle stressful situations.
Able to manually calculate DTI/LTV outside of the LOS.
Other Desired Skills
Experience evaluating files for Post‑Close QC audits
Experience working on new project developments
Experience leading individuals in a production environment
Experience with government underwriting including FHA, VA, USDA
Activities and Requirements of this Position Repetitive Motion:
Movements frequently and regularly required using wrists, hands, and/or fingers.
Communication Skills:
Must frequently convey detailed or important instructions of ideas accurately and quickly.
Visual Abilities:
Average visual acuity necessary to read, prepare and inspect documents or products.
Hearing:
Able to hear average or normal conversations and receive information.
Physical Strength:
Sedentary work (sitting most of the time). Able to lift and carry up to 25 lbs.
Reasoning Ability:
Able to apply common sense understanding to carry‑out detailed instructions and to deal with problems involving variables.
Mathematics Ability:
Able to perform basic math skills including adding, subtracting, multiplying, and dividing using a calculator.
Language Ability:
Able to write complex sentences using normal word order with present and past tenses, as well as a command of the English vocabulary.
Working Conditions:
Air‑conditioned, smoke‑free office setting.
Attendance Requirements:
Please note that scheduled attendance requirements may change due to business needs.
Business Hours Monday through Friday. Business hours are subject to change. Must be able to work additional hours, weekends, and holidays as needed.
#J-18808-Ljbffr