Mortgage & Home Equity Underwriter

General Electric Credit Union is a not-for-profit, member-owned full service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky. At GECU, we pride ourselves on maintaining quality service, being an employee-friendly workplace, and developing our team members while teaching you the skills to lead you to career advancement opportunities.

Overview

The Mortgage Underwriter reviews standard residential mortgage applications, evaluates borrower creditworthiness, and ensures compliance with company guidelines and regulatory requirements.

Essential Responsibilities

• Underwrite a limited range of mortgage loans. Primarily focused on HELOCs, fixed-rate Home Equity loans, Equity Rich fixed-rate loans and Equity Rich lines of Credits. Assisting with first mortgage refinances, purchases and construction loans as needed.
• Review mortgage loan applications, credit reports, financial documents, and collateral to make approval or denial decisions based on established criteria and program guidelines.
• Assess loan risk and request additional information when needed.
• Work with processors and loan officers to communicate approval conditions.
• Review property appraisals to confirm collateral value is properly documented.
• Complete all required GECU mortgage lending and Elevate U! training courses.
• Maintain the required NMLS designation.
• Perform other assigned duties.

Education And Experience

• High School diploma or GED required
• Minimum of one year Mortgage underwriting experience required or equivalent knowledge in similar role

Knowledge, Skills, And Abilities

• Professional verbal and written communication skills
• Strong interpersonal skills-ability to work well with others
• Strong time management and organizational skills who can work in a fast-paced environment
• Analytical and critical review skills
• Ability to exhibit a positive attitude and professional demeanor and can lead by example
• Understand and follow mortgage-related operational procedures

At GECU, we want to support your wellbeing by offering a wide range of benefits:

• Health, Dental and Vision insurance
• Life and Disability insurance options
• Paid Time Off starts accruing once hired and take your birthday off -paid
• 401k Retirement plan with up to a 10% match of your base gross compensation
• Tuition reimbursement opportunities & professional development
• Volunteer opportunities -and earn additional PTO hours!
• On-site clinics for Vaccines and Mammograms

And many more!

Come join GECU as we are a curated culture of respect, understanding, and mutual recognition. We believe forming bonds and connecting with each other only stands to strengthen the service we provide to our members in our mission of improving the Quality of Financial lives!

General Electric Credit Union is an Equal Opportunity Employer