Patelco Credit Union is a not-for-profit credit union with a purpose to build financial health and wellbeing for our members. Since 1936, Patelco has grown from $500 in assets to over $9 billion in assets and is the 7th largest credit union in California with branches throughout Northern California.

We are here for our members throughout all their stages of life. Meeting them with the products and services to help them plan purposefully for their futures and to secure our life-long partnership as their trusted financial advocate. As one team, we are all committed to delivering service, empowering financial literacy, creating products, and providing new technology for our members.

We believe that work should be rewarding, challenging, and enjoyable. We’re dedicated to creating a positive and supportive culture where our team members can thrive. If you’re looking to use your skills and knowledge to make a difference in our members’ lives, Patelco could be the perfect fit for you.

In this role, responsibilities will include underwriting 1st & 2nd liens, standalone Helocs, conventional & jumbo home loans in accordance with Fannie Mae and Credit Union guidelines. Remains current on and relays investor guidelines, mortgage insurance updates and other critical underwriting information to Home Loan processing team.

• Underwrites first and second lien home loans in accordance with Patelco Credit Union credit guidelines, investor requirements and various federal and state regulations
• Stays abreast of internal and regulatory changes that affect tasks related to the processing and underwriting of mortgage loans
• Stays abreast of changes to private mortgage insurance guidelines and communicates them to management
• Provides and promotes exceptional customer service, internally and externally
• Completes information accurately and conducts the appropriate audits to ensure accurate completion of home loan transactions
• Responds promptly to requests for assistance and information from internal and external parties and conducts appropriate follow up to ensure satisfactory conclusions; completes underwriting of home loans within prescribed timelines based on volume.
• Performs other duties as assigned

Minimum Qualifications

• Must have HS Diploma or GED equivalent
• 5+ years’ experience in mortgage environment, including 3 years’ experience underwriting conventional home loans
• Proficient in MS applications, including Word and Outlook.
• Experience using Desktop Underwriter and loan origination system(s) preferred.

Physical Activities/Requirements

• This position is based out of the Dublin HQ office

$35.09 - $41.29 per hour

Please note that the salary information is a general guideline only. Patelco Credit Union considers factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience, education/training, key skills, internal peer equity, as well as market and business considerations when extending an offer. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.

Physical Health:

• Exceptional Medical, Dental, Vision, and Life Insurance benefits
• Onsite fitness center at HQ and rewards for completing wellness related activities

Financial Health:

• Competitive compensation packages with bonus opportunity
• 401(k) with 3% Safe Harbor and 5% employer match
• Discounts on loan products
• Tuition reimbursement

Emotional Health:

• Employee Assistance Program (EAP)
• PTO for part-time and full-time positions
• Paid holidays

Personal Development:

• On-the-job training and skills development

• Internal transfer opportunities for career growth
• Volunteer work

Flexible work arrangements available for specific positions

Patelco Credit Union is an Equal Opportunity Employer including individuals with disabilities and protected veterans

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Minimum Qualifications

• Must have HS Diploma or GED equivalent
• 5+ years’ experience in mortgage environment, including 3 years’ experience underwriting conventional home loans
• Proficient in MS applications, including Word and Outlook.
• Experience using Desktop Underwriter and loan origination system(s) preferred.

Physical Activities/Requirements

• This position is based out of the Dublin HQ office

• Underwrites first and second lien home loans in accordance with Patelco Credit Union credit guidelines, investor requirements and various federal and state regulations
• Stays abreast of internal and regulatory changes that affect tasks related to the processing and underwriting of mortgage loans
• Stays abreast of changes to private mortgage insurance guidelines and communicates them to management
• Provides and promotes exceptional customer service, internally and externally
• Completes information accurately and conducts the appropriate audits to ensure accurate completion of home loan transactions
• Responds promptly to requests for assistance and information from internal and external parties and conducts appropriate follow up to ensure satisfactory conclusions; completes underwriting of home loans within prescribed timelines based on volume.
• Performs other duties as assigned