Senior Mortgage Underwriter

VyStar Credit Union

Senior Mortgage Underwriter responsible for evaluating mortgage loan applications at VyStar Credit Union. Working with loan officers to ensure compliance and documentation integrity.

Posted 6/30/2026full-timeJacksonville • Florida • 🇺🇸 United StatesSeniorWebsite

About the role

Key responsibilities & impact

evaluating various types of mortgage loan applications, including conventional (Fannie Mae and Freddie Mac), FHA, VA, equity, construction-to-perm, renovation-to-perm, and specialty programs
Review loan files to determine compliance with lender credit underwriting guidelines as well as government guidelines
Review and validate borrower(s): income (including complex business and personal tax returns), credit, asset documentation, title and fraud reports
Analyze loan files to determine credit worthiness of borrower
Prioritize and manage files among new submissions, documents, and funding
Work as a team with loan officers and other professionals to ensure file completeness
Review government appraisal to ensure the value of the property is accurately presented
Maintain production standard goals as established by management
Re-underwrite loans when additional information has been received
Be proactive in researching general underwriting scenarios and guidelines to stay up to date
Consistently adheres to VyStar core values and Code of Ethics
Provide service to the membership, Credit Union employees and third-party vendors
Responsible for understanding mortgage department goals as well as Credit Union goals and pro-actively works toward attainment of those goals

Requirements

What you’ll need

High School Diploma or GED is required
Bachelor’s degree preferred
Must have an active Direct Endorsement (DE) and Computerized Homes Underwriting Managements Systems (CHUMS)
Must be active in the VA Lender Appraisal Processing Program (LAPP) and certified as a Staff Appraisal Reviewer (SAR) Underwriter for VA loans
5+ years in a mortgage underwriting role including conventional (Fannie Mae and Freddie Mac), FHA, VA, Equity, Construction-to-Perm, Renovation-to-Perm, and specialty program underwriting

Benefits

Comp & perks

competitive pay
an excellent benefit package that includes a 401(k) Plan
extensive paid technical and on-the-job training program
tuition reimbursement--available to all full and part time employees

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Conventional Loan UnderwritingFHA Loan UnderwritingVA Loan UnderwritingEquity Loan UnderwritingConstruction-to-Perm UnderwritingRenovation-to-Perm UnderwritingCredit AnalysisCompliance ReviewFile ManagementLoan Re-Underwriting

Soft Skills

Team CollaborationProactive ResearchCustomer ServiceGoal OrientationEthical Adherence

Certifications

Active Direct Endorsement (DE)Certified Staff Appraisal Reviewer (SAR)