Junior Mortgage Underwriter - #1413523

HOPE Overview

HOPE (Hope Enterprise Corporation, Hope Credit Union and Hope Policy Institute) provides financial services; leverages resources; and engages in advocacy that strengthens the financial health of people in under-resourced Deep South communities. Since 1994, these efforts have benefited more than three million people in Alabama, Arkansas, Louisiana, Mississippi and Tennessee, and influenced billions in persistent poverty communities across the nation. Learn more at hopecu.org.

Title: Junior Mortgage Underwriter

Department: Mortgage

Reports To: VP, Mortgage Underwriting Manager

Supervises: N/A

Job Classification: Full-Time

Location: Hybrid-Birmingham, AL

HOPE Credit Union is seeking a detail-oriented and motivated Junior Mortgage Underwriter to join our growing mortgage team. In this role, you will assist in evaluating and analyzing credit and income reviews, clearing underwriting conditions, completing Notice of Action requests, and responding to underwriting inquiries via the Scenario Desk and Mortgage Underwriting Inbox. This is an excellent opportunity for individuals looking to build a career in mortgage underwriting and gain hands-on experience in a fast-paced financial environment.

Responsibilities:

• Review credit reports and income documentation.
• Must have a working knowledge of conventional underwriting guidelines.
• Identify and communicate missing or incomplete documentation to loan officers and processors.
• Respond to all underwriting inquiries within the department’s Service Level Agreement established timeline.
• Assist senior underwriters with clearing conditions when needed.
• Complete Notice of Action Requests.
• Respond to credit and income reviews as well as scenario questions.
• Participate in ongoing training and development programs to enhance underwriting knowledge and skills.
• Maintain an organized, digital workspace.
• Maintain a sense of confidentiality and integrity.
  
  

Required Qualifications:

• Three years of experience in mortgage lending, loan processing, or underwriting support.
• Basic understanding of mortgage loan products and underwriting principles.
• Strong analytical and organizational skills.
• Excellent communication and interpersonal skills.
• High school diploma or Associate’s degree in Finance, Business, or a related field
  
  

Preferred Qualifications:

• Experience working in a Loan Origination System is a plus.
• Proficiency in Microsoft Office.
• Ability to work independently and as part of a team.
  
  

Key Competencies & Skills:

• Organizational Awareness
• Strategic Thinking
• Attention to Detail
• Integrity
• Accountability
• Results Oriented
• Decision Making
• Problem Solving
  
  

Physical Demands:

• This position may require standing for extended periods, walking, bending, and occasional lifting or carrying of materials and equipment. The employee must be able to lift and move items weighing up to 20 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
  
  

Work Environment:

• Hybrid (office setting)
  
  

Comprehensive Benefits Package:

• Paid Vacation and Sick Time
• 11 Paid Holidays
• 401(k) with Company Match
• Medical, Dental, and Vision Benefits
• Flexible Spending Account (FSA)
• Disability Benefits
• Life Insurance, Critical Illness, Accident
• Employee Assistance Program (EAP)
• Tuition Reimbursement, Professional Development
  
  

Hope Enterprise Corporation does not participate in or engage in any form of visa sponsorship, including employment-based visa applications or extensions (e.g., H-1B, TN, O-1, OPT, STEM OPT, etc.). Candidates must be legally authorized to work in the United States at the time of application and throughout the duration of employment.

We are an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.