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HELOC Underwriter

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Careers from UHFCU

  • Overview

    HELOC Underwriter

    Careers from UHFCU

    Position Description

    This position supports the Central Lending Manager by ensuring loans are processed quickly and equitable credit decisions are made for home equity loans and consumer loans. Additionally, ensures loans are in compliance with applicable federal, state, NCUA and credit unions rules and regulations.

    • Essential Functions
      • Reviews, processes, and decisions all home equity loan applications per credit union policy and procedure(s), including but not limited to: home equity lines of credit, home equity loans, and green loans.
      • Reviews processes and decisions all consumer loan applications per credit union policy and procedure(s), including but not limited to: personal loans and personal line of credits, new and used auto loans, and Visa applications.
      • Reviews and processes consumer, and home equity loan applications received through in-branch, online, and indirect channels.
      • Reviews all supporting loan documentation to ensure that they meet underwriting guidelines.
      • Approves consumer and home equity loan application within assigned approval limits.
      • Coaches, teaches, trains support personnel within the Central Lending department on the intricacies of loan underwriting.
      • Works with third parties (escrow officers, realtors, and mortgage servicers, etc.).
      • Processes subordination requests to credit union policy and procedures.
      • Reviews and stays abreast of regulations as it pertains to all loans.
      • Forwards all approved loan applications to branch staff for closing.
      • Supports Member Service Representatives with loan information needed to assist members, loan documents, and obtaining all necessary information and forms to complete documentation accurately.
      • Processes paperwork to properly book a loan – securing all collateral, sending documents for recordation, setting up automatic payments, following up and executing automobile liens, follows up on dealer letters of guarantee.
      • Complies with all requirements of the credit union’s Customer Identification Program.
      • Identifies all cross-sell opportunities and actively sells credit union products and services through daily face-to-face and telephone contact to existing membership and potential members.
      • Performs other duties as needed.
      • This is not a remote position.
    • Performance Standards
      • Provides excellent member service (internally & externally).
      • Achieves underwriting and loan production volumes as determined annually.
      • Keeps up to date on credit union policies, procedures and services.
      • Loans are processed accurately and underwritten to credit union policies and procedures.
      • Executed documents are accurate and in compliance with all lending policies.
      • Assists in monitoring department goals.
      • Maintain good relationship with all outside vendors, to include Auto Finance Managers, realtors, and escrow and title companies.
    • Qualifications

      Education/Certification:

      • High School Diploma or GED is required
      • Must be registered with the Nationwide Mortgage Licensing System.

      Required Knowledge:

      • Basic understanding of MS Office Suite is required.
      • Knowledge of lending regulations.
      • Basic knowledge in processing/underwriting loans.

      Experience Required:

      • Four years of experience in lending with an understanding of underwriting home equity loans.
      • Minimum of two years experience underwriting and processing first mortgage loans.
      • One-year supervisory experience preferred.

      Skills/Abilities:

      • Excellent verbal and written communication skills.
      • Good member service skills, ability to work with a team.
      • Excellent analytical, creative, and problem-solving skills.

    How to Apply

    Apply Now

    If you are interested in any of the positions listed above, please visit our UHFCU Career Center to submit your application.

    1. Online: Click here to apply
    2. By Mail:
      University of Hawai`i FCU – HR Department
      PO Box 22070, Honolulu, HI 96823-2070
    3. By Fax: 808-983-5556

    Accessibility Note:
    If you are a job seeker with a disability and require a reasonable accommodation to apply for one of our jobs, you may contact Human Resources to request the appropriate accommodation. If you would like a paper application to be sent to you, please email your request to hrdept@uhfcu.com.

    The University of Hawai`i Federal Credit Union provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, The University of Hawai`i Federal Credit Union complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

    More Info

    • Careers
  • FAQ

    Careers FAQs

    • How do I apply?

      How to Apply

      Apply Now

      If you are interested in any of the positions listed above, please visit our UHFCU Career Center to submit your application.

      1. Online: Click here to apply
      2. By Mail:
        University of Hawai`i FCU – HR Department
        PO Box 22070, Honolulu, HI 96823-2070
      3. By Fax: 808-983-5556

      Accessibility Note:
      If you are a job seeker with a disability and require a reasonable accommodation to apply for one of our jobs, you may contact Human Resources to request the appropriate accommodation. If you would like a paper application to be sent to you, please email your request to hrdept@uhfcu.com.

      The University of Hawai`i Federal Credit Union provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, The University of Hawai`i Federal Credit Union complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Call us: (808) 983-5500

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Routing Number: 321379656

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