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Wings Financial Credit Union Mortgage Lending Underwriter in Apple Valley, Minnesota

Description Supports mortgage origination team in the attainment of departmental loan goals. Interprets; underwrites and ensures that all mortgage loans are in compliance with secondary market and credit union guidelines. Stays informed of credit union and investor guidelines and changes and reports to mortgage managers accordingly. Provides expertise on operational direction of underwriting analysis, testing and deployment (LOS software). Monitors, interprets and implements investor and credit union underwriting guide changes and announcements. Performs QC prefunding audits. Prepares and submits pmi audits; investor and credit union audits. Responsible for review; mitigating exceptions and reporting of all audits according to investor and Wings Financial guidelines. Communicates QC findings to mortgage managers and mortgage team to ensure education and consistency. Ensures security and privacy of all members personal information and documentation. Works directly with LOS Analyst to ensure compliance is effectively utilized within LOS system. Adheres to QC operational policies and procedures. Exceptional interpersonal skills, professionalism and work experience. QUALIFICATIONS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. EDUCATION and EXPERIENCE: College degree in management, business or related area preferred; Management/Supervisory experience preferred; 5-7 years background in variety of lending functions and familiarity with regulatory regulations. Knowledge of financial services and experience in real estate loans required at financial institution Strong communicative skills required Professional appearance for public contact Bondable Required to obtain or possess a Mortgage Loan Originator ("MLO") unique qualifier (NMLS registration number). Must have the ability to successfully complete all MLO Registry requirements, including passing background and credits checks and submitting to fingerprinting and to any other requirements of the rules enacted pursuant to the S.A.F.E. Act. PHYSICAL DEMANDS / WORK ENVIRONMENT: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to talk or hear. The employee is frequently required to walk and sit. The employee is occasionally required to stand; use hands to finger, handle, or feel; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must frequently or occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception, ability to adjust focus. The noise level in the work environment is usually quiet. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to fu