Forest Area Federal Credit Union · 12 hours ago
Mortgage Underwriter
Fife Lake, MI
Full-time
Onsite
Senior LevelForest Area FCU is seeking an experienced Mortgage Underwriter to play a critical role in the strength and success of our mortgage lending portfolio. This position involves evaluating and approving real estate loans, supervising mortgage operations, and ensuring compliance with regulations.
BankingFinancial Services
Responsibilities
Underwrite and decision residential mortgage loan applications by analyzing credit, income, assets, collateral, and risk trends
Structure and price mortgage loans to remain competitive while ensuring compliance
Review loan files for quality, accuracy, and regulatory adherence
Provide clear communication to lending staff regarding approvals, denials, and conditions
Supervise mortgage loan processing and servicing staff to ensure accuracy and compliance
Oversee the mortgage lending portfolio, including vendor relationships and core systems
Sell mortgage loans on the secondary market to approved investors
Review closing documentation and issue 'clear to close' approvals
Collaborate with auditors, compliance, and legal teams to meet NCUA and regulatory standards
Assist with policy development, procedure updates, and staff training
Monitor loan performance and review non-performing loans for continuous improvement
Qualification
Required
Strong working knowledge of mortgage underwriting, credit analysis, and risk evaluation
Ability to interpret credit reports, identify trends, and verify supporting documentation
In-depth understanding of mortgage regulations (CFPB, RESPA, Fair Lending, NCUA, etc.)
Experience supervising or leading mortgage processing or servicing staff
Ability to balance policy adherence with sound judgment for appropriate exceptions
High level of accuracy, organization, and ability to manage multiple priorities
Strong communication skills and a collaborative leadership style
Company
Forest Area Federal Credit Union
Forest Area Federal Credit Union offers one-stop solutions for personal and business banking needs.
Founded in 1983
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Alex Lutke
Chief Executive Officer
Robert Raden
Chief Executive Officer
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