Real Estate Portfolio Underwriter

What You ll Do

• Analyze credit and collateral risk for portfolio loan products to support responsible lending decisions and protect the safety and soundness of the credit union.
• Evaluate loan risks, identify compensating factors, and determine whether loan requests meet established underwriting standards, procedures, and policy requirements.
• Present loan requests that exceed lending authority for approval in accordance with loan policy.
• Facilitate timely, accurate, and efficient loan delivery while maintaining a positive experience for members and prospective members.
• Ensure members and prospective members are served promptly, professionally, and with a focus on their financial needs.
• Promote and recommend appropriate loan products and loan protection products based on member needs and eligibility.
• Partner with and train loan officers and home equity officers to strengthen understanding of loan processes, products, underwriting expectations, and member experience standards.

• Bring a two-year degree or equivalent work experience, with additional coursework in business or a related field preferred.
• Have at least three years of loan officer or underwriting experience, ideally within consumer, residential, or home equity lending.
• Understand financial statements, credit reports, tax returns, appraisals, and related financial documentation.
• Apply sound knowledge of credit union loan services, policies, procedures, and required loan documentation.
• Maintain awareness of applicable legal and regulatory standards that guide lending and underwriting decisions.
• Analyze credit applications and related financial data with accuracy, consistency, and sound judgment.
• Support safe lending practices that help maintain delinquency and write-off ratios in line with credit union objectives.
• Prepare accurate, timely reports and documentation to support efficient lending and home equity operations.
• Build strong working relationships with loan personnel, area teams, and management while providing support and guidance as needed.
• Use related computer applications effectively to complete underwriting, documentation, reporting, and communication tasks.

• Loan requests are evaluated, reviewed, underwritten, and documented accurately, promptly, and in alignment with established credit union policies and lending authority.
• Credit applications, borrower financial information, income, assets, collateral, and property documentation are thoroughly analyzed to support sound lending decisions.
• Underwriting decisions consistently reflect program requirements, credit union standards, and applicable legal and regulatory requirements.
• Loans are approved, denied, or escalated appropriately, with applicants and loan personnel receiving timely communication and clear requests for additional information when needed.
• Home equity final approvals are supported by complete, accurate, and verified documentation.
• Reports, records, files, and loan documentation are completed promptly, accurately, and maintained in good order.
• Loan officers, home equity officers, support personnel, and area teams receive helpful guidance, coaching, training, and support when application or underwriting questions arise.
• Management is kept informed of area activities, significant issues, and opportunities to improve underwriting policies, procedures, and workflows.
• Members, external lending professionals, governmental agencies, and internal partners receive accurate information, professional service, and timely problem resolution.
• Knowledge of underwriting requirements, software applications, economic conditions, and legal or regulatory changes remains current and is applied effectively in daily work.
• Credit union services are cross-sold professionally and appropriately based on member needs.
• Assigned duties, special projects, and area support needs are completed reliably, including maintaining a clean, secure, and well-organized work area and working a regular, predictable schedule.

Compensation will be based on experience, qualifications, and market alignment. The total package includes a competitive base salary and comprehensive benefits consistent with UCCU's commitment to its employees.

Founded in 1955 by a BYU faculty member and six colleagues with just $5 each, UCCU began on a campus stair landing with its assets kept in a cast-iron tub. Seventy years later, Utah Community Credit Union has grown into one of the nation’s fastest-growing credit unions, serving…