Mortgage Underwriter

Job Description Job Description Description:

Government Underwriter with an active FHA Direct Endorsement (DE) designation and, preferably, an active VA (SAR/LAPP) designation to join our local credit union mortgage team. This role offers the opportunity to underwrite loans for our community, work directly with local lending staff, and exercise real underwriting authority in a relationship-focused environment. This is an onsite position in Pocatello, Idaho.

Requirements:

What You'll Do

• Underwrite FHA, VA, USDA, and Conventional mortgage loans
• Utilize FHA Direct Endorsement authority to review and approve FHA loans
• Review VA loan files in accordance with VA guidelines
• Analyze borrower credit, income, assets, and collateral to determine eligibility
• Review complex income scenarios including self-employed borrowers and layered risk files
• Issue clear underwriting decisions and conditions
• Partner with loan officers and processors to move loans efficiently to closing
• Ensure compliance with HUD, VA, investor, and regulatory guidelines

What We're Looking For

• Active FHA Direct Endorsement (DE) designation required
• VA underwriting experience or SAR designation preferred
• 5+ years mortgage underwriting experience
• Strong knowledge of FHA, VA, and conventional underwriting guidelines
• Experience with DU/LP and manual underwriting
• Strong analytical, decision-making, and communication skills

Why Join Us

• Competitive salary and benefits offered
• Local underwriting environment with direct collaboration with lending staff
• Opportunity to exercise true underwriting authority
• Stable pipeline focused on quality lending rather than volume quotas
• Ability to underwrite both agency and portfolio loans in a relationship-focused credit union environment