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Offer: Home Equity Underwriter:Job description:
Home Equity UnderwriterOverviewHudson Valley Credit Union is currently recruiting for the position of Home Equity Underwriter. Primary Function: Make independent loan decisions by approving, denying and counter-offering home equity loans and lines of credit within loan approval authority limits. Ensure compliance with established Credit Union policies, department procedures, lending regulations, state and federal laws. Responsibilities » Approve, deny and counter-offer home equity loans and lines of credit in conformity with prudent industry best practices. Make independent decisions in the best interest of the Credit Union’s desire to serve our members and risk tolerance. Communicate the decision to members, directly and indirectly. Document loan exceptions thoroughly. » Ensure that documents required by Truth in Lending and RESPA are issued in conformity with current regulations. » Responsible for data integrity in all consumer loan systems. » Responsible for entering thorough comments in loan systems to support the follow-up and document authentication practices. » Request appropriate services required for new Home Equity applications. » Handle member interactions and internal customers over the phone, in writing or in person in a timely, professional manner. » Maintain satisfactory level of technical expertise and professional skill to keep up with current developments and changes in regulations. » Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained expertise. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional tasks and special projects as assigned. » Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism. » Responsible for regular and predictable attendance including punctuality. Qualifications » High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate required » Registration with the National Mortgage Licensing System and Registry (NMLS) required » Minimum 1 Year Underwriting in consumer and/or residential mortgage practice preferred Why choose HVCU? HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and practices. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+. Employee Perks: » HVCU University & Academy; Professional Development Training » Student Loan Repayment & Tuition Reimbursement Programs » Medical, Dental, and Vision coverage (coverage starting as low as $20 per month) » 401(k) with employer match and non-elective employer contribution » Paid time off (PTO), holidays, and community volunteer time » Life, Short-Term, and Long-Term Discapability Insurance » Discounted Loan Rates & Fees Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified candidates will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, discapability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law. » High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate required » Registration with the National Mortgage Licensing System and Registry (NMLS) required » Minimum 1 Year Underwriting in consumer and/or residential mortgage practice preferred Why choose HVCU? HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and practices. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+. Employee Perks: » HVCU University & Academy; Professional Development Training » Student Loan Repayment & Tuition Reimbursement Programs » Medical, Dental, and Vision coverage (coverage starting as low as $20 per month) » 401(k) with employer match and non-elective employer contribution » Paid time off (PTO), holidays, and community volunteer time » Life, Short-Term, and Long-Term Discapability Insurance » Discounted Loan Rates & Fees Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified candidates will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, discapability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law. » Approve, deny and counter-offer home equity loans and lines of credit in conformity with prudent industry best practices. Make independent decisions in the best interest of the Credit Union’s desire to serve our members and risk tolerance. Communicate the decision to members, directly and indirectly. Document loan exceptions thoroughly. » Ensure that documents required by Truth in Lending and RESPA are issued in conformity with current regulations. » Responsible for data integrity in all consumer loan systems. » Responsible for entering thorough comments in loan systems to support the follow-up and document authentication practices. » Request appropriate services required for new Home Equity applications. » Handle member interactions and internal customers over the phone, in writing or in person in a timely, professional manner. » Maintain satisfactory level of technical expertise and professional skill to keep up with current developments and changes in regulations. » Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained expertise. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional tasks and special projects as assigned. » Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism. » Responsible for regular and predictable attendance including punctuality. Skills:
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