Loan UnderwriterThe Loan Underwriter is responsible for evaluating loan applications and determining credit worthiness in accordance with internal policies, regulatory requirements, and sound lending practices. This position analyzes financial information, assesses risk, and ensures loans are structured to protect the financial institution while serving member needs.Essential Duties and Responsibilities:Review, analyze, and underwrite consumer, mortgage, business and/or commercial loan applicationsEvaluate credit reports, income documentation, tax returns, bank statements, appraisals, and collateral documentation.Assess borrower capacity, credit history, collateral adequacy, and overall risk profile.Ensure compliance with federal and state lending regulations (e.g Fair Lending, TRID, HMDA, ECOA, Reg B).Make approval, denial, or counteroffer decisions within assigned lending authority.Provide detailed loan stipulations and communicate conditions to lending staff.Work closely with loan officers, processors, and branch staff to gather additional documentation.Maintain documentation and decision rationale in loan file.Monitor and manage pipeline to ensure timely decisions and service level standards.Identify potential fraud or misrepresentation concerns.Assist with audits and regulatory examinations as required.Recommend policy improvements based on underwriting trends and risk patterns.QualificationsEducation and Experience:Bachelor's degree in finance, Business, Accounting or related field preferred.3-5 years of underwriting experience (consumer, mortgage, and/or commercial).Experienced in a bank or credit union environment preferred.Knowledge and Skills:Strong understanding of credit analysis and risk assessmentKnowledge of lending regulations and compliance requirements.Ability to analyze financial statements and tax returns.Excellent analytical and decision-making skills.Strong written and verbal communication skills.Detail-oriented with strong organizational abilities.Proficiency in loan origination systems and Microsoft Office.Competencies:Sound judgmentRisk assessment and mitigationRegulatory compliance awarenessTime ManagementCollaboration and communicationConfidentiality and discretionPhysical Requirements:Prolonged periods of sitting at a desk and working on a computer.Occasional lifting of files up to 20lbsWork Environment:Office environment within a financial institutionStandard business hours with occasional extended hours based on loan volume.***Greater Houston Area Applicants Only