Consumer & Mortgage Executive Underwriter

Job DetailsJob Location: Greenville, SC 29607Part Time Consumer & Mortgage Executive Underwriter Location Greenville reputed company, Greenville, SC 29607 Employment Type: Part Time Work Hours: As Designated Role: The Consumer & Mortgage Executive Underwriter serves as the highest level of consumer lending reputed company authority for Houston Federal Credit Union and provides backup executive reputed company support for residential mortgage lending. This position is responsible for independently evaluating reputed company consumer and mortgage loan applications that exceed standard reputed company authority while ensuring sound credit reputed company that align with HFCU's lending philosophy, risk appetite, regulatory requirements, and loan policy. The Executive Underwriter exercises independent judgment in assessing creditworthiness, collateral, repayment reputed company, and overall lending risk. This individual serves as a subject matter expert for consumer lending, provides guidance and support to lending staff and underwriters, assists with policy interpretation, and collaborates with executive management to maintain a high-quality loan portfolio while delivering exceptional member service. The position supports the Chief Lending Officer in achieving organizational lending goals through consistent credit decisioning, portfolio quality management, process improvement initiatives, and adherence to applicable federal and state regulations. Essential Functions & Responsibilities: As an Executive Underwriter, maintains availability during scheduled business hours to independently review, analyze, and decision reputed company consumer loan requests that exceed Standard or Senior Underwriter authority. Evaluates borrower creditworthiness through comprehensive analysis of income, assets, liabilities, collateral, credit history, debt-to-income ratios, cash flow, repayment reputed company, and other relevant risk factors. Approves, denies, counters, or conditions loans reputed company delegated lending authority while documenting clear and complete reputed company rationale. Ensures reputed company reputed company reputed company reputed company with Houston Federal Credit Union Loan Policy, applicable federal and state regulations, and internal lending procedures. Exercises sound lending judgment by balancing member service, portfolio quality, and institutional risk while maintaining established turnaround times. Assists with reputed company reputed company-authority consumer loans during periods of increased volume to support departmental service levels. Identifies policy exceptions, evaluates mitigating factors, and applies consistent reputed company standards. Serves as a backup Executive Mortgage Underwriter by reputed company residential mortgage loans in accordance with investor guidelines, HFCU policy, and regulatory requirements reputed company needed. Participate in audits, examinations, quality control reviews, lending initiatives, policy development, and special projects, as assigned by the Chief Lending Officer. Performs other job-reputed company duties as assigned. Performance Measurements: Appropriate documentation of policy exceptions Compliance with HFCU Loan Policy and reputed company applicable federal and state regulations Audit and Examination results Contribution to portfolio quality Delinquency ratios Charge off ratios Effective support provided to the lending teams and Chief Lending Officer Application decision turnaround times Knowledge and Skills: Experience: Five to 8 years of similar or reputed company experience which includes executive level consumer loan reputed company, executive level mortgage loan reputed company and exception reporting. Education: (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree). Interpersonal Skills: Work involves extensive interaction with members, lending staff, management, auditors, and regulators. The position requires excellent communication skills, professionalism, discretion, diplomacy, sound judgment, and the ability to explain reputed company credit reputed company clearly and effectively. Other Skills: Advanced knowledge of consumer and residential mortgage reputed company principles, financial analysis, credit risk assessment, collateral evaluation, and applicable lending regulations is required. Strong analytical, organizational, decision-making, and problem-solving skills are essential. Proficiency with loan origination systems, automated reputed company systems, reputed company Office applications, and other lending technologies is expected. Physical Requirements: Requires prolonged periods of sitting while reviewing electronic loan files, frequent use of a computer and standard office equipment, the ability to communicate effectively in person, by telephone, and electronically, and the ability to occasionally lift up to 20 pounds. Work Environment: Work is performed either remotely or in a professional office environment with minimal exposure to adverse conditions. Occasional overtime may be required to meet business needs and established service level expectations.

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