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Job 26657

San Diego, CA

Job Title:
Sr. Mortgage Underwriter

Long Term Temp (> 30 Days)


Established and financially strong credit union is seeking a Sr. Mortgage Underwriter for their San Diego, CA office with the following:


Under general supervision, underwrites mortgage loans for the credit union in compliance with regulatory, investor and credit union guidelines.


  • Analyzes mortgage loan files to ensure compliance with relevant guidelines, to include borrower’s application, income documentation, appraisal and title reports.
  • Ensures all required documentation is in place for the loan approval process.  Calculates debt-to-income and loan-to-value ratios.  Verifies that calculations are accurate. Determines a member’s credit-worthiness and loan quality for approval.
  • Determines the amount of loan to be approved when all criteria for underwriting have been met.  Makes recommendation to manager for loan approval and/or forwards to manager loans outside of authority level.
  • Provides assistance to Mortgage Loan Officers in the qualification process and provides support for turndown decisions.
  • Provides support to mortgage loan processors relating to questions and/or clarification of member inquiries, loan files, and underwriting guidelines.
  • Keeps abreast of credit union, investor and regulatory policies, procedures and changes that affect mortgage underwriting.  
  • Ensures timely review and follow-up steps in order to meet and exceed member expectations.
  • Seeks continuous process improvement by recommending efficiencies and work innovations to manager.

Secondary Accountabilities:

  • Performs other duties as assigned.
  • Complies with BSA requirements as commensurate with position.


  • At least four years of current work experience in the capacity of a mortgage loan underwriter in a financial institution or mortgage lending company.
  • Previous experience as a delegated FNMA underwriter required. 
  • Current use of Desktop Underwriter is required.
  • High School diploma or equivalent. 


  • Some college coursework in relevant field preferred. 
  • Working knowledge of mortgage underwriting; credit union mortgage lending policies and procedures; and, regulatory compliance, Fannie Mae and Freddie Mac guidelines.
  • Excellent abilities in the following areas:  communication (written and oral), analysis, detail-orientation, initiative, adaptability, teamwork, time management, member/customer service, math/calculations, documentation and organization.
  • Previous experience in a paperless environment preferred.
  • An active or renewable NMLS (Nationwide Mortgage Licensing System) certification/designation and a MLO (Mortgage Loan Originator) identifier. 

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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