Keesler Federal Credit Union

Role Description The Mortgage Underwriter III position requires a minimum of 4 years of current mortgage underwriting experience to include 2 years of government underwriting. Must be DE and SAR approved. Essential Functions - Validate the accuracy of all calculations and loan documentation provided. - Responsible for underwriting all mortgage loan types including all government loans. - Completes a thorough analysis of loan files to determine guideline compliance with Keesler Federal, GSE agency, and investor guidelines. - Analyze Credit, Capacity, Capital, Collateral, and Character to ensure the file meets guidelines and regulatory requirements. - Maintains service levels to provide established turn times. - Provides general guidance to Loan Processors and Loan Originators for loan file. - Assists in internal quality control, audit review issues, and responds to audit findings. - Stays updated on PMI, GSE, and Portfolio Loan Products. - Maintains up-to-date knowledge of Mortgage policies and guidelines. - Responsible for compliance with all Federal Mortgage regulations. - Proficient in all mortgage department systems related to underwriting. - Ensures compliance with applicable federal, state and local laws and regulations. - Maintains knowledge of and adheres to Keesler Federal internal compliance policies and procedures. - Addresses loan issues in a timely manner to ensure an extraordinary member experience resulting in no disruption to closing date established at time of origination. - Mentor Mortgage Loan Underwriters I and II with loan decision-making. - Responsible for compliance with all Federal regulations, including Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), Ability to Repay/Qualified Mortgage Rule and TRID. - Other duties as assigned. Qualifications - Bachelor’s Degree in a related field or equivalent combination of education and experience preferred. - Direct Endorsement Certification and SAR approval required. - Minimum of 4 years of current mortgage underwriting experience required. - 2 years of government underwriting experience required. - Advanced underwriting, advanced tax return analysis, advanced collateral assessment (appraisal analysis). - Expert knowledge with FHA Connection, FHA EAD, VA WEB LGY, USDA GUS, DU, and LPA. - Advanced ability to analyze complex income, assets, credit and collateral. - Advanced problem solving, analytical and resolution skills. Requirements - Proficient in the use of computers and standard office technology, including Microsoft Office applications (Word, Excel, Outlook, and Teams). - FHA Direct Endorsement Certification and VA SAR approval. Interpersonal Skills - Demonstrates the ability to interact professionally and respectfully with members, coworkers, and external partners. - Communicates information clearly and effectively, both verbally and in writing, and listens attentively to understand questions or concerns. - Maintains a courteous, cooperative, and service-oriented approach in a variety of work situations. - Builds positive working relationships and contributes to a collaborative, inclusive, and member-focused environment. Physical Demands The physical demands described below are representative of those that may be associated with performing the essential functions of this position. The essential functions of this role can be performed with or without reasonable accommodation, in accordance with the Americans with Disabilities Act (ADA) and applicable federal, state, and local laws. - While performing the duties of this job, the employee may be required to remain in a stationary position for extended periods, move within the work environment, and operate a computer and other standard office equipment. - Job duties may also involve the use of hands and arms to operate tools, devices, or controls, and to exchange information using various communication methods. - Occasional postural activities such as bending, kneeling, crouching, or stooping may be required. - The position may occasionally require lifting or moving items weighing up to 15 pounds. Work Environment The work environment is primarily a professional office or branch setting, with a focus on member service and collaboration. The role may require working in shared workspaces and interacting with members, coworkers, and vendors through various communication methods. Declaration The Human Resources department retains the sole right and discretion to make changes to this job description.