FAIRWINDS Credit Union · 4 hours ago
Mortgage Underwriter
Orlando, Florida, United States
Full-time
Onsite
Entry, Mid Level
2+ years expFAIRWINDS Credit Union is a mission-driven financial organization dedicated to helping members achieve financial freedom. The Mortgage Underwriter will assess mortgage applications, evaluate risk, ensure compliance, and deliver high-quality decisions that align with organizational goals.
BankingCreditFinancial Services
Responsibilities
Delivers timely, accurate, thorough and high quality work. Sets clear, measurable and realistic goals and holds self and others accountable for achieving them; stays with plan of action until objective is achieved
Reviews and assesses risk in mortgage credit reports, sales contracts, title commitments, flood certifications, asset statements, verifications of deposit, verifications of employment / income, verifications of mortgage / rent and all other supporting documentation
Underwrites and decisions, mortgage and home equity files within lending authority/policy limits
Reviews residential appraisals and property valuations / condition reports for adherence to sound and professional underwriting practices
Reviews DU findings report to ensure all conditions have been met and maintain saleability
Leverages all available technology solutions to maximize efficiency, quality and consistency in their work
Ensures that all secondary market mortgage loans and mortgage insurance loans are in compliance with the appropriate eligibility and underwriting requirements
Provides instructions/direction to Closing Department of any items that must be handled prior to / at closing
Obtains private mortgage insurance certificates
Assists in training; within the Mortgage Department and our digital and member facing locations
Serves as working leader in the Mortgage Services Department and demonstrates strong and ethical decision making abilities regardless of situation and pace of environment
Assists in updating and creating procedures and product profiles as needed
Qualification
Required
2–3 years of mortgage underwriting experience
Strong knowledge of mortgage regulations, secondary market guidelines, and mortgage insurance requirements
Proficiency with automated underwriting systems and mortgage‑related technology platforms
Ability to analyze complex financial documentation and make sound credit decisions
Demonstrated accuracy, attention to detail, and ability to meet deadlines in a fast‑paced environment
Strong communication and interpersonal skills with the ability to collaborate across teams
High ethical standards and sound judgment in all decision‑making
Benefits
Enjoy 11 paid holidays and generous paid time off to recharge and reset
Build your future with a 6% 401(k) match
Receive a $700 annual contribution to your Health Savings Account
Access our comprehensive maternity leave program to support growing families
Stay covered with medical, dental, vision, disability, and life insurance
Grow your career through leadership development, tuition assistance, and advancement opportunities
Earn rewards for financial wellness through our Debt Free Club and Dave Ramsey’s SmartDollar program
Thrive in a purpose-driven, people-first culture where your impact matters
Company
FAIRWINDS Credit Union
We are the financial that doesn’t want you to have any debt. We offer solutions and advice to help you on your journey to financial freedom.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Phil Tischer
COO
Bryan Meizinger
Executive Vice President, Chief Credit Officer
Recent News
2025-08-29
The Orlando Sentinel
2025-07-14
Company data provided by crunchbase