Apply on Employer Site

Union Savings Bank · 17 hours ago

Underwriter

Cincinnati, OH

Full-time

Onsite

New Grad, Entry Level

Union Savings Bank is a long-established financial institution dedicated to responsible home ownership through sound lending practices. As a Mortgage Underwriter, you will evaluate loan applications and determine borrower eligibility, ensuring compliance with regulatory and internal policy standards while supporting responsible lending and risk management.

BankingFinanceFinancial Services

Hiring Manager

Debbie Redwine

Responsibilities

Evaluate borrower credit reports, income documentation, debts, and assets to assess risk and loan eligibility

Verify accuracy of all information provided in loan applications, including employment and income sources

Review property appraisals and other collateral documentation to confirm loan-to-value ratios and ensure compliance with lending requirements

Make informed underwriting decisions—approve, suspend, or deny loan applications—based on risk assessment and lending guidelines

Complete thorough and accurate reviews of mortgage application packages

Collaborate with loan officers, processors, brokers, and internal departments to resolve documentation issues or application discrepancies

Escalate complex or high-risk applications to management when necessary

Qualification

Mortgage underwritingFederal mortgage regulationsAnalytical skillsConventional loan guidelinesCustomer service skillsCommunication skillsAttention to detailOrganizational skillsProblem-solving skillsTeam player

Required

High school diploma or equivalent required

Strong analytical skills, with the ability to assess both qualitative and quantitative data

Solid understanding of Conventional loan and non-conforming guidelines

Working knowledge of federal mortgage regulations and compliance standards (e.g., RESPA, TILA)

Strong customer service and communication skills

Exceptional attention to detail and accuracy

Strong organizational and time management skills

Effective problem-solving and decision-making abilities

Clear written and verbal communication skills

Self-motivated and dependable

Collaborative team player

Preferred

Bachelor's degree in Business, Finance, Economics, or a related field

Prior experience in mortgage underwriting, banking, or financial services

Company

Union Savings Bank

Union Savings Bank is a personalized financial service company located in Cincinnati.

Founded in 1904

Cincinnati, Ohio, USA

501-1000 employees

https://usavingsbank.com/

Funding

Current Stage

Late Stage

Leadership Team

Scott Hopf

EVP/COO

Richard Sweet

SVP-CIO

Recent News

Hartford Business Journal

CT bank launches youth banking program with high-yield savings

2025-11-16

Middlefield Banc Corp.

Middlefield Banc Corp. Appoints Tim Oyster VP, Western Ohio Commercial Relationship Manager

2025-10-03

Cincinnati Business Courier

Union Savings, one of Cincinnati’s largest banks, adds new branch office in northern Ohio

2025-01-30

Company data provided by crunchbase