Job Summary:Responsible for rendering decisions on credit applications for First Mortgage and/or Home Equity loans based on established criteria. Determines creditworthiness and risk associated with borrower based on credit profile. Communicates decisions that most effectively mitigate credit risks for including data integrity and validity of information submitted. Applies understanding of established guidelines, Fair Lending and all other regulatory requirements when evaluating loan attributes while utilizing prudent underwriting judgment and experience.Minimum Requirements:• Bachelor’s degree or equivalent work experience.• 2+ years underwriting experience.• Maturing knowledge of Real Estate Originations and Processing, data analysis tools, and industry data sources.• Job Duties:• Works under moderate supervision; acquires and applies maturing knowledge of the business, its products, and processes. Uses established procedures and significant job experiences to perform moderately complex work assignments and problem resolution.• Utilizes lending authority and mature understanding of all aspects of Mortgage and/or Home Equity underwriting and portfolio guidelines to underwrite moderately complex loan files.• Reviews and evaluates credit applications to assess the loan package for approval of fraudulent activity, and provides feedback to the Processors and Originators to improve the quality of the loan files.• Handles moderately complex member escalations utilizing knowledge of specialized loan products.• Participates in projects for process and system enhancement initiatives as assigned.• Maintains and applies maturing knowledge of Real Estate underwriting business and industry practices, and adheres to established Service Level Objectives (SLOs).