On Site** CONV Mortgage Underwriter

We are seeking an experienced underwriter to join our local credit union mortgage team.

This role offers the opportunity to underwrite loans for our community, work directly with local lending staff, and exercise real underwriting authority in a relationship-focused environment.
This is an on site position based in Pocatello, Idaho.

• Underwrite Conventional mortgage loans
• Analyze borrower credit, income, assets, and collateral to determine eligibility
• Review complex income scenarios including self-employed borrowers and layered risk files
• Issue clear underwriting decisions and conditions
• Partner with loan officers and processors to move loans efficiently to closing

• 2+ years mortgage underwriting experience
• Strong knowledge of conventional underwriting guidelines
• Experience with DU/LP and manual underwriting
• Strong analytical, decision-making, and communication skills

• Competitive salary and benefits offered
• Local underwriting environment with direct collaboration with lending staff
• Opportunity to exercise true underwriting authority
• Stable pipeline focused on quality lending rather than volume quotas
• Ability to underwrite both agency and portfolio loans in a relationship-focused credit union environment