Real Estate Underwriter
Not Disclosed•Full-TimeOn-site
location_onHardrock Canyon, Austin, Travis County, Texas, 78759, United States
Established in 1957, United Heritage Credit Union (UHCU) is an Austin-based financial institution serving communities across Central Texas, including Austin, Tyler, and the broader state through TXCC membership. With over $1.7 billion in assets, more than 78,000 members, and approximately 270 employees, we are a strong force in the credit union industry. Our vision is "To be your primary financial institution," and being part of our team means being part of our community.
Under the direction of the Real Estate Operations Manager, the Real Estate Underwriter plays a critical role in supporting the loan process and ensuring loan quality control. This position focuses on thoroughly reviewing and making decisions on Home Equity Line of Credit (HELOC) loans upon initial application and prior to closing. The role is essential for maintaining real estate portfolio integrity through the auditing and re-underwriting of mortgage, home equity, and HELOC loans.
You will work collaboratively with processing personnel, third-party partners, and Texas Mortgage Lending (TML) staff to facilitate loan quality control audits. The day-to-day involves objectively evaluating borrower information and supporting documentation to determine if loan conditions meet applicable guidelines, rules, and regulations. You will ensure files are complete and accurate before moving loans to closing personnel, while also analyzing high-risk requests and making recommendations to management. This role requires maintaining open communication to ensure loan conditions are clear and preparing reports as needed.
We take hiring very seriously. The interview process at UHCU may include phone interviews as well as first and second-round interviews. We aim to run a thorough process for candidates identified as a potential fit. Please note that we are unable to follow up with every applicant, but we will contact you if you are selected to move forward in the process.
Work model: On-site
Hardrock Canyon, Austin, Travis County, Texas, 78759, United States
Austin, Texas
Bachelor's degree from an accredited college or university in Business Administration, Finance, Real Estate, or related field. 2+ years of mortgage lending experience in a financial institution or related industry with responsibilities from initial review to closing. Demonstrated knowledge of key terms and functions specific to the mortgage loan life cycle, including approval of a new loan to the preparation of closing documents. Knowledge of credit union products and services.
Skills: MS Office Suite, Fannie Mae, Freddie Mac, Texas 50(a)6 Home Equity Lending, Mortgage Loan Life Cycle, Credit Union Products And Services.
Education: Associates degree or some college coursework in Business Administration, Finance, Real Estate, or related field; Bachelor's degree from an accredited college or university in Business Administration, Finance, Real Estate, or related field.
