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Golden 1 Credit Union · 4 months ago

Home Loan Operations - Home Loan Equity Underwriter - Must Reside in CA

United States

Full-time

Remote

Mid, Senior Level

$30.31/hr - $36/hr

5+ years exp

Golden 1 Credit Union is seeking a Home Loan Equity Underwriter to evaluate Equity Lending loan applications for compliance with regulations and credit union standards. The role involves thorough risk assessments, managing application turn times, and communicating decisions related to loan requests.

BankingFinanceFinancial Services

H1B Sponsor Likely

Responsibilities

Underwrite loan files received daily. Perform thorough, in depth risk assessment; determine borrower’s credit worthiness and ability for repayment. Analyze tax returns, credit, red flag and fraud detection information and related documentation to ensure compliance with agency, investor and/or credit union policy and procedures

Review and satisfy underwriting conditions inclusive of property related documentation encompassing appraisal reports, title, etc. to ensure adequate collateral along with a complete file in accordance with credit union policy while maintaining established turn times

Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position

Actively participate in training enhancement of department personnel. Identify training opportunities in relation to credit risk, review or trends

Organize and prioritize daily work load to ensure compliance to credit union policy, procedures and established turn-around times

Complete and accurate input in loan origination system(s) to ensure data integrity

Communicate and interact with all pertinent vendors, servicers, agencies, investors, internal and external departments and members, as applicable

Perform research, lender comparison, develop and maintain reports, assist in other areas of the department as directed by the department manager

Qualification

Lending principlesAnalytical skillsDecision makingCustomer serviceTime managementPC skillsOral communicationWritten communication

Required

Successful completion of High School curriculum is required

Five years of responsible lending experience with a financial or banking institution

Current working knowledge of lending basic principles and practices

Excellent analytical and decision making skills

Proper time management skills and ability to work independently

Strong customer/ member service relations, oral and written communication skills

Typing, ten-key, personal computer skills to include internet navigation, copier and facsimile machines

Preferred

College degree or equivalent a plus

Company

Golden 1 Credit Union

Glassdoor3.3

Golden 1 Credit Union is a financial cooperative that offers checking, savings, home loan, investment, insurance and online services.

Founded in 1933

Sacramento, California, USA

1001-5000 employees

https://www.golden1.com/

H1B Sponsorship

Golden 1 Credit Union has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2024 (1)

2022 (1)