• Receives and purchases loans from third party lenders • Reviews loans to ensure compliance with bank, regulatory and investor guidelines and customer service standards and determine acceptability • Communicates with lenders, staff, title companies, etc. to resolve outstanding items in order to obtain all necessary documentation and ensure completeness and accuracy • Delivers loan packages in a timely manner to Secondary/Pooling Unit for sale on Secondary market • Packages and submits government loan files to HUD/VA for insurance/guaranty • Prepares required disclosure information within designated time frames ensuring compliance with all regulations

Role Description We are currently seeking a Mortgage Loan Underwriter to join Kirtland Credit Union! This is a regular, full-time position that is fully remote based on geographical location. This is what we would like you to do: - Responsible for creating an exceptional member experience, including developing, maintaining, and enhancing member relationships. - Responsible for problem resolution resulting in win-win for the member and the Credit Union. - Perform a broad variety of member service functions, including teller transactions, cash handling, account maintenance, and opening new accounts. - Generate product/service referrals for consumer loans, credit cards, and KFS services. - Educate and provide members with Credit Union products and services, identifying what is best for the Member. - Support the credit union’s mission, vision, strategic goals, quality initiatives, and service standards. - Provide exceptional internal and external member service. Primary Job Duties: - Assumes responsibility for reviewing appraisals and ensuring that determined values are well documented. - Assumes responsibility for accurately evaluating the credit worthiness of potential borrowers. - Evaluates applicant's employment history, ensuring that the probability of continued employment is good. - Verifies at least two years of employment history and ensures that all income used in qualifying is expected to continue for at least 3 years or meets secondary marketing guidelines. - Evaluates likelihood of job tenure and assesses overtime, bonuses, and commissions used to qualify. - Analyzes tax returns and balance sheets of self-employed applicants. - Evaluates the adequacy of the applicant's income and the probability that the member will be able to meet expected financial obligations. - Assesses family support requirements and compares previous housing expenses with proposed expenses. - Examines income trends and determines possibilities for increased income in future years. - Assesses potential borrower's assets, ensuring that assets meet closing requirements and are derived from acceptable sources. - Reviews borrower's credit, including the manner in which obligations have been met and financial affairs managed. - Investigates derogatory credit and ensures that all previous mortgage histories are rated and all debts are appropriately listed and rated. - Orders private mortgage insurance in compliance with PMI guidelines. - Completes all underwriting functions in accordance with various program requirements, Credit Union standards, and related legal and regulatory requirements. - Completes related documentation and reports, maintaining files and ensuring their completeness. - Ensures that all lending conditions have been satisfactorily met prior to closing. - Ensures the marketability of closed loans and the safety of Credit Union assets. - Establishes and maintains effective communication and coordination with Credit Union personnel and management. - Establishes and maintains professional working relations with members and external lending professionals and governmental agencies. Qualifications - High school diploma required. - Bachelor’s degree in business or related field preferred. Requirements - Three years of directly related experience in the credit field required. - DE (Direct Endorsement) qualification from housing and urban development and can underwrite and approve government loans required. - Licensed Mortgage Underwriter with direct experience operating under the LAPP/SAR authority, actively issuing Notices of Value (NOVs) within the past year required. - Proven expertise reviewing, analyzing, and approving residential appraisals in compliance with Fannie Mae guidelines preferred. - Extensive experience utilizing Desktop Underwriter (DU) for automated underwriting decisions, risk assessment, and loan eligibility validation preferred. - Strong background in credit, income, asset, and collateral analysis to support sound underwriting decisions preferred. - Demonstrated ability to ensure regulatory compliance, maintain quality control, and mitigate lending risk preferred. - Two years of Financial Institution experience preferred. - Experience in general mortgage or real estate lending required. - Experience with calculating loan-to-value and debt to income preferred. Benefits - Medical, Dental and Vision Insurance - 401(k) Retirement savings program - 401(k) employer match - Paid time off with accrual starting from day one - 11 Paid holidays off during the year - Tuition Reimbursement for College Degrees - Employee Clothing Advance - Fitness Reimbursement Program - Employer paid Life Insurance - Employee Assistance Program - Employer paid Short- and Long-Term Disability Insurance - Travel Assistance Program Company Description Kirtland Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.

• Responsible for daily input of loan applications submissions from wholesale brokers into internal loan origination system. • Perform all duties in accordance with company policies and procedures and all state and federal regulations. • Receives loan applications submissions from wholesale brokers either by electronic data file or hard copy file. • Enter or verifies information into loan origination system. • Reviews new loan documentation to assure accuracy. • Submits file to Wholesale Account Manager for processing. • Assists departmental support staff when necessary

• Support mortgage quality review to verify vendor's underwriting practice following BMO’s requirements • Execute work and audit files to ensure timely, accurate, and efficient service delivery • Ensure consistent, high-quality practices/work and achievement of business results • Analyze root causes of any errors discovered during underwriting to provide effective communication and coaching • Propose new solutions and think creatively • Work mostly independently and may receive broader work or accountabilities as needed