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Underwriter II

Company: Wescom Central Credit Union
Location: Anaheim
Posted on: November 17, 2020

Job Description:

POSITION SUMMARY:Responsible for the accurate and timely underwriting of real estate requests: 1st mortgage loans (purchase and refinance transactions) as well as home equity products (loans and lines of credit). Ensures real estate requests satisfy guidelines set by Wescom Credit Union, its investors (i.e. Fannie Mae, Freddie Mac, and Charlie Mac), and its business partners (i.e. mortgage insurance providers). Leads underwriting staff in working with loan originators on either the Mortgage Originations (retail) side or the Mortgage Business Development (wholesale) side.Very strong, working-knowledge of automated underwriting systems (AUS) including Fannie Mae’s Desktop Underwriter and tools offered through Prime Alliance. Ability to trouble-shoot and be a resource for other underwriters and loan originators. Capable of calculating income from simple pay stubs to complex tax returns: personal and corporate. Calculates standard mortgage ratios. Reviews property appraisal. Works with other underwriters and members of Management Team, as needed, to ensure that all underwriting and processing requirements are met within desired parameters.ESSENTIAL POSITION FUNCTIONS: Underwrite loan files and assists loan originators with re-submitting loans through Desktop Underwriter.Underwrite files received from brokers and assists with answering incoming calls received from brokers.Provides thorough review of appraisal and ensures appraisal satisfies Wescom’s board-approval Appraisal Policy.Functional authority to administer the broker pipeline.Assists department management with reporting and tracking of loan data and statistics.Supports administration of the real estate budget and ensures expense control in all areas including salaries and overtime.Responsible for thoroughly reviewing “Refer with Caution” loans and elevating such loans to Real Estate Management Team with decision recommendation.Responsible for daily review and decision making of all loans input through Prime Alliance for home equity products.Assist with system (Desktop Underwriter) troubleshooting and maintenance of all related documentation.Assist in the training of new employees on FICS LP, Desktop Underwriter, and Prime Alliance.Assist in training of appropriate personnel on system enhancements and / or changes.Weekly rotation of determining daily Real Estate rates.Daily update of real estate rate sheet via Excel spreadsheet, Wescom’s internet page, and Prime Alliance rate manager for retail loans as well as fax or e-mail in PDF format of rate sheets to brokers.Maintains high level of member service, promotes advocacy and continually focuses on improvement in member survey ratings.Acts as a resource for the department on Real Estate related policies and procedures.Helps to ensure staff efforts are focused on achieving goals and are aligned with Wescom’s strategic objectives.Supports real estate marketing efforts and provides support for credit union products.Ensures real estate compliance through “Loan Level” audits and underwriting loan files.Participates on project teams at the department / organization level and may serve as project manager.Contributes to organizational efforts in process improvement and streamlining efforts.Stays abreast of and develops proficiency in technological advancements and emerging management practices.Supports organizational strategy and helps manage the change process within the department.Ensures that the physical environment is maintained according to Wescom’s standards and that staff appearance reflects the desired level of professionalism.Must have excellent written and verbal communication skills.Apply team and department “Best Practices” and continually work for process and service improvements.Performs other related duties as assigned or requested.EDUCATION AND EXPERIENCE:High school diploma required. B.A/B.S. degree in related field preferred.3-5 years of mortgage underwriting required.OTHER SKILLS AND ABILITIES: Ability to provide excellent member service throughout the mortgage loan process.Ability to handle multiple tasks simultaneously with a high level of accuracy and attention to detail.Knowledge of Credit Union operations and ability to integrate and communicate critical information to members, vendors, and other team members.COMPUTER SKILLS: Proficiency in Prime Alliance, Symitar, and FICS systems preferred.Proficiency in Microsoft Applications (Word, Excel, Outlook) is also desirable.MATHEMATICAL SKILLS: Ability to add, subtract, multiply and divide in all units of measure, using while numbers, common fractions and decimals. Ability to compute rates, ratios and percent and to draw and interpret bar graphs. PHYSICAL DEMANDS: The physical demand described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle or feel; reach with hands and arms, climb or balance, stoop kneel, crouch, crawl; talk or hear and taste or smell. The employee must occasionally lift and/or move up to 20 pounds. Vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing functions of this job.The noise level in the work environment is moderately quiet. It is a non-smoking environment. The above job requirements are representative of minimum levels of knowledge, skills and abilities. The marginal functions have not been included. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.This job description in no way implies that these are the only duties to be performed. An employee will be required to follow any other job-related instructions and duties as requested by the supervisor and/or management.

Keywords: Wescom Central Credit Union, Anaheim , Underwriter II, Other , Anaheim, California

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