Sr. Real Estate Underwriter - Michigan (Full-Time)
This is a Hybrid/Remote Work Eligible position. You may be required to come into the in Berrien Springs or Marquette, MI office periodically to ensure business needs are met.
ABOUT HONOR:
At Honor Credit Union, we've been putting members first since 1934. Our team remains true to our member promise: Providing Solutions For Your Financial Success. Honor members enjoy extraordinary member service at 28 member centers, and worldwide through online banking.
OUR TEAM:
As a team member at Honor Credit Union, you are genuinely part of a family. We leave the term "employee" at the door because you're much more than that; you're a valued member of the Honor Team and its success. We don't settle for good; we strive to be great, and that starts with the individuals that live out the "I Am Honor" promise every day.
At our core, we are obsessed with providing extraordinary member experience with solutions for financial success. We are rooted in the belief that finances don't have to be intimidating and giving back to the communities we serve is essential. We are made up of outgoing, positive, friendly, and highly experienced individuals, which creates an inclusive, stimulating atmosphere. Smiling is the epitome of our culture, and like kindness, we believe smiling is contagious - it's no accident that you'll find a smiley face on all things Honor.
COMMITMENTS TO LIVING "I AM HONOR":
- Act with Urgency and Care - You have the direct authority and responsibility to act and seek out solutions.
- The Platinum Rule - Treat others the way they want to be treated.
- Make the Connection - Develop genuine relationships so you can provide a "WOW" experience.
- See a Need, Fill a Need - Seize opportunities to help others meet their needs, whether they are known or unrealized.
- Reason over Rules - Make decisions that are good for the person and good for Honor.
- Cultivate Peace & Love - Uphold an environment where diversity is celebrated, kindness is contagious, and everyone belongs.
WHAT WE ARE LOOKING FOR:
- Reviews, evaluates, and decisions simple to complex mortgage and home equity loan files using the internal Underwriting Standards, as well as general FNMA, FHLMC, FHA, and Rural Development underwriting guidelines, to determine the creditworthiness of the applicant.
- Reviews and analyzes high-value and intricate mortgage loan applications, including but not limited to, jumbo loans, construction loans, and loans for self-employed borrowers with non-traditional income sources.
- Stays current on all Fannie Mae, Freddie Mac, FHA, selling guide and policy updates.
- Acts as a subject matter expert by providing training, mentorship, and escalated support to the other Real Estate Underwriters.
- Ensures lending decisions are completed in accordance with established policies and procedures and related legal requirements.
- Helps conduct quality control reviews to ensure consistency and accuracy across the team.
WHAT WE EXPECT FROM YOU:
EDUCATION/CERTIFICATION:
- College Degree in Business, Finance or a related field; or equivalent experience.
- Direct Endorsement Certification required.
EXPERIENCE REQUIRED:
- Five to eight years of similar or related experience, including preparatory experience.
- Minimum one year of experience underwriting FHA loans preferred.
KNOWLEDGE/SKILLS/ABILITIES:
- Must have a demonstrated ability to keep finances in order.
- Strong listening, verbal, and written communication skills.
- Be self-directed and able to work with minimal supervision.
- Handle issues with tact, diplomacy, and an appropriate sense of urgency.
- Understands and complies with all applicable laws and regulations.
- Exceptional problem-solving skills.
WHAT'S IN IT FOR YOU:
Honor has excellent benefits for all full and part time team members. We offer:
- Medical with prescription coverage, Dental, and Vision.
- 401k employer contribution & matching program.
- Paid time off and paid holidays (including your birthday!).
- Paid community volunteer hours.
- Wellbeing spending account.
- Various discounts on credit union products and services for team members & their families.
- Additional perks included.
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Honor Credit Union
paid time off, paid holidays, 401(k), remote work
Aug 27, 2024