Mortgage Underwriter
Advantage Plus Credit Union, Pocatello, ID, United States
Description
Government Underwriter with an active FHA Direct Endorsement (DE) designation and, preferably, an active VA (SAR/LAPP) designation to join our local credit union mortgage team. This role offers the opportunity to underwrite loans for our community, work directly with local lending staff, and exercise real underwriting authority in a relationship‑focused environment.
What You’ll Do
Underwrite FHA, VA, USDA, and Conventional mortgage loans
Utilize FHA Direct Endorsement authority to review and approve FHA loans
Review VA loan files in accordance with VA guidelines
Analyze borrower credit, income, assets, and collateral to determine eligibility
Review complex income scenarios including self‑employed borrowers and layered risk files
Issue clear underwriting decisions and conditions
Partner with loan officers and processors to move loans efficiently to closing
Ensure compliance with HUD, VA, investor, and regulatory guidelines
What We’re Looking For
Active FHA Direct Endorsement (DE) designation required
VA underwriting experience or SAR designation preferred
5+ years mortgage underwriting experience
Strong knowledge of FHA, VA, and conventional underwriting guidelines
Experience with DU/LP and manual underwriting
Strong analytical, decision‑making, and communication skills
Why Join Us
Competitive salary and benefits offered
Local underwriting environment with direct collaboration with lending staff
Opportunity to exercise true underwriting authority
Stable pipeline focused on quality lending rather than volume quotas
Ability to underwrite both agency and portfolio loans in a relationship‑focused credit union environment
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What You’ll Do
Underwrite FHA, VA, USDA, and Conventional mortgage loans
Utilize FHA Direct Endorsement authority to review and approve FHA loans
Review VA loan files in accordance with VA guidelines
Analyze borrower credit, income, assets, and collateral to determine eligibility
Review complex income scenarios including self‑employed borrowers and layered risk files
Issue clear underwriting decisions and conditions
Partner with loan officers and processors to move loans efficiently to closing
Ensure compliance with HUD, VA, investor, and regulatory guidelines
What We’re Looking For
Active FHA Direct Endorsement (DE) designation required
VA underwriting experience or SAR designation preferred
5+ years mortgage underwriting experience
Strong knowledge of FHA, VA, and conventional underwriting guidelines
Experience with DU/LP and manual underwriting
Strong analytical, decision‑making, and communication skills
Why Join Us
Competitive salary and benefits offered
Local underwriting environment with direct collaboration with lending staff
Opportunity to exercise true underwriting authority
Stable pipeline focused on quality lending rather than volume quotas
Ability to underwrite both agency and portfolio loans in a relationship‑focused credit union environment
#J-18808-Ljbffr