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HELOC Underwriter

Wescom Central Credit Union

This is a Contract position in Anaheim, CA posted June 22, 2022.

POSITION SUMMARY:Responsible for the accurate and timely underwriting of home equity products. Ensures HELOC requests satisfy guidelines set by Wescom Credit Union, and its business partners (i.e. insurance providers).Very strong, working-knowledge of automated underwriting systems (AUS) and tools offered through the Loan Origination System (LOS). Ability to trouble-shoot and be a resource for other underwriters and HELOC team members. Capable of calculating income from simple pay stubs to complex tax returns: personal and corporate. Calculates standard HELOC ratios. Reviews property appraisal. Works with other underwriters and members of Management Team, as needed, to ensure that all underwriting and processing requirements are met within desired parameters.ESSENTIAL POSITION FUNCTIONS: Underwrite loan files and assists HELOC team members with re-submitting loans in the LOS. .Provides thorough review of appraisal and ensures appraisal satisfies Wescom’s board-approval Appraisal Policy.Underwrites all HELOC Employee RequestsAssists department management with reporting and tracking of loan data and statistics.Responsible for thoroughly reviewing loans and escalating loans when necessary to HELOC Management Team with decision recommendation.Responsible for daily review and decision making of all HELOC loans input through the LOS. .Assist with system troubleshooting and maintenance related to underwriting of all related documentation.Assist in the underwriting training of new employees on HELOC LOS.Assist in training of appropriate personnel on system enhancements and / or changes.Maintains high level of member service, promotes advocacy and continually focuses on improvement in member survey ratings.Acts as a resource for the HELOC department on HELOC related policies and procedures.Helps to ensure staff efforts are focused on achieving goals and are aligned with Wescom’s strategic objectives.Supports HELOC marketing efforts and provides support for credit union products.Ensures HELOC compliance through “Loan Level” audits and underwriting loan files.Participates on project teams at the department / organization level and may serve as project manager.Contributes to organizational efforts in process improvement and streamlining efforts.Stays abreast of and develops proficiency in technological advancements and emerging management practices.Supports organizational strategy and helps manage the change process within the department.Ensures that the physical environment is maintained according to Wescom’s standards.Must have excellent written and verbal communication skills.Apply team and department “Best Practices” and continually work for process and service improvements.Performs other related duties as assigned or requested.EDUCATION AND EXPERIENCE:High school diploma required. B.A/B.S. degree in related field preferred.3-5 years of mortgage and HELOC underwriting required.OTHER SKILLS AND ABILITIES: Ability to provide excellent member service throughout the HELOC loan process.Ability to handle multiple tasks simultaneously with a high level of accuracy and attention to detail.Knowledge of Credit Union operations and ability to integrate and communicate critical information to members, vendors, and other team members.COMPUTER SKILLS: Proficiency in Mortgage Cadence, Temenos/Akcelerant and Symitar, and preferred.Proficiency in Microsoft Applications (Word, Excel, Outlook) is also desirable.MATHEMATICAL SKILLS: Ability to add, subtract, multiply and divide in all units of measure, using while numbers, common fractions and decimals. Ability to compute rates, ratios and percent and to draw and interpret bar graphs. PHYSICAL DEMANDS: The physical demand 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 frequently required to stand; walk; sit; use hands to finger, handle or feel; reach with hands and arms, climb or balance, stoop kneel, crouch, crawl; talk or hear and taste or smell. The employee must occasionally lift and/or move up to 20 pounds. Vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing functions of this job.The noise level in the work environment is moderately quiet. It is a non-smoking environment. The above job requirements are representative of minimum levels of knowledge, skills and abilities. The marginal functions have not been included. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.This job description in no way implies that these are the only duties to be performed. An employee will be required to follow any other job-related instructions and duties as requested by the supervisor and/or management.