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Home Loan Equity Underwriter job in Sacramento at Golden 1 Credit Union

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Home Loan Equity Underwriter at Golden 1 Credit Union

Home Loan Equity Underwriter

Golden 1 Credit Union Sacramento, CA Full Time
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Golden 1 Credit Union is a great place to grow your career in the mortgage industry! You will work directly with consumers and our more than 1 million members to purchase their dream home.

JOB TITLE: Home Loan Equity Underwriter

DEPARTMENT: Home Loan Operations

STATUS: Non- Exempt

JOB CODE: 1802


Responsible for the evaluation of Equity Lending loan applications to determine compliance with applicable state and federal regulations, investor guidelines and credit union standards. Review and analyze submitted loans for capacity, capital, character and condition while upholding fair lending practices. This includes ensuring that loan requests meet program and product specifications or counteroffer to a product and/or program when appropriate. Communicate decision (approval, counteroffer, suspense, denial) to applicable individuals within the department. Manage application turn time by executing credit decision according to the measurement set by department manager; meet targets.


  1. Underwrite loan files received daily. Perform thorough, in depth risk assessment; determine borrower’s credit worthiness and ability for repayment. Analyze tax returns, credit, red flag and fraud detection information and related documentation to ensure compliance with agency, investor and/or credit union policy and procedures. 
  2. Review and satisfy underwriting conditions inclusive of property related documentation encompassing appraisal reports, title, etc. to ensure adequate collateral along with a complete file in accordance with credit union policy while maintaining established turn times.
  3. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.  
  4. Actively participate in training enhancement of department personnel. Identify training opportunities in relation to credit risk, review or trends.
  5. Organize and prioritize daily work load to ensure compliance to credit union policy, procedures and established turn-around times. 
  6. Complete and accurate input in loan origination system(s) to ensure data integrity. 
  7. Communicate and interact with all pertinent vendors, servicers, agencies, investors, internal and external departments and members, as applicable.
  8. Perform research, lender comparison, develop and maintain reports, assist in other areas of the department as directed by the department manager.  


  1. Effective oral and written communication skills.
  2. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone.


  1. INTERNAL: Management, Home Loan Operations Department staff along with credit union branches and supporting departments.
  2. EXTERNAL: Members, real estate agents, servicing agents, various state agencies, title companies, insurance companies, appraisers and other third-party vendors.


  1. EDUCATION: Successful completion of High School curriculum is required. College degree or equivalent a plus.
  2. EXPERIENCE: Five years of responsible lending experience with a financial or banking institution.
  3. KNOWLEDGE/SKILLS: Current working knowledge of lending basic principles and practices. Excellent analytical and decision making skills. Proper time management skills and ability to work independently. Strong customer/ member service relations, oral and written communication skills. Typing, ten-key, personal computer skills to include internet navigation, copier and facsimile machines.


  1. Prolonged sitting throughout the workday with occasional mobility required.
  2. Corrected vision within the normal range.
  3. Hearing within normal range. A device to enhance hearing will be provided if needed.
  4. Ability to lift 20 lbs. as may be required.
  5. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.



Thank you for your interest in joining the Golden 1 Home Loans team! If you are selected to participate in the interview process, we will contact you.


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