Mortgage Underwriter/Closer
Title: Mortgage Underwriter/Closer Location: Onsite, Hybrid, or Fully Remote (within 90 minutes of any branch location in Ingham, Jackson, Washtenaw, or Wayne Counties) Reports To: Director of Real Estate Lending Travel: Less than 5% Status: Full-Time | Non-Exempt
Summary
We are seeking a detail-oriented Mortgage Underwriter/Closer to join our Real Estate Lending team. In this role, you'll analyze mortgage loan files for compliance, prepare closing packages, and support the mortgage process from application to funding. You'll work closely with loan originators, processors, and third-party vendors to ensure a smooth and compliant lending experience. At TRUE Community Credit Union, we champion legacy-defining moments by helping members write life stories that stretch beyond imagination. As a Mortgage Underwriter/Closer, you'll ensure every mortgage loan is handled with accuracy, integrity, and a member-first mindset-from detailed underwriting analysis to preparing closing packages with care and precision.
What You'll Do
- Analyze mortgage applications (Conventional, FHA, VA) for accuracy and compliance with internal, agency, and investor guidelines.
- Evaluate Loan to Value (LTV), Debt to Income (DTI), credit reports, tax returns, income, assets, and documentation to make informed underwriting decisions.
- Ensure loan quality, review appraisals, and clear conditions.
- Verify and update data on mortgage origination systems.
- Collaborate with loan originators, third-party vendors, and members to ensure timely and accurate closings.
- Prepare and review closing documents, wire transfers, and funding details.
- Support post-closing activities, loan transfers, and servicing processes.
- Respond to audit findings and ensure compliance with regulatory and internal standards.
- Stay current on mortgage regulations and secondary market requirements.
- Serve as a knowledgeable resource and back-up support for processors and servicers as needed.
Who You Are You are detail-oriented, decisive, and driven by a sense of urgency. You thrive in environments where collaboration, communication, and member focus are key. You take ownership of your work, and you hold yourself to high standards of accountability, accuracy, and ethical decision-making. Your Experience Includes
- A high school diploma or GED (college coursework or degree preferred).
- At least 3 years of experience in mortgage underwriting.
- Knowledge of Microsoft Office Suite and mortgage origination systems.
- Experience reviewing appraisals, tax returns, and mortgage documentation.
- Familiarity with investor and secondary market processes.
- Ability to register with the Nationwide Mortgage Licensing System & Registry (NMLS).
Expected Starting Range $25.38 – $32.24 based in experience
Benefits
We offer a comprehensive and competitive benefits package that includes:
- Benchmark-setting medical benefits; dental and vision benefits
- 401k AND employer-funded defined contribution pension plan
- Generous time off, paid holidays, and paid time for your birthday, inclusion time to celebrate cultural and religious holidays that matter most to you, and volunteer time to stay rooted in the work outside of work that refills your well
- TRUE Cares Paid Family Leave that provides qualifying employees with up to 200 hours of paid time for birth, bonding, adoption, foster care placement, and end-of-life care for qualifying family members
- Annual bonus reward program
- Company-paid short-term disability, long-term disability, and employee life insurance
- Tuition reimbursement
- Gym membership reimbursement
- Ongoing professional development investments
Ready to Apply? If you're passionate about helping people achieve their dreams of homeownership and you're ready to bring precision and care to the underwriting and closing process, we'd love to hear from you. Click "Apply" to start your journey with us today. TRUE Community Credit Union is TRUE to our members, our communities, and our teammates. TRUE Community Credit Union is an equal opportunity employer committed to diversity and inclusion. We encourage applications from all qualified individuals regardless of race, color, religion, gender, sexual orientation, gender identity or expression, age, national origin, marital status, citizenship, disability, veteran status, or any other characteristic protected by applicable law. Apply tot his job