Mortgage Credit Analyst jobs in Oregon

Starting Pay Range: $29.20 - $36.60 per hour.

Location: Eugene, OR - Remote work environment, must be based in Oregon.

OCCU is here to enrich lives. We do this by hiring tenacious, humble, and big-hearted individuals who are driven to work hard; contribute to an outstanding member experience; support their community through volunteering and advocating for community needs and are dedicated to their own individual growth and development.

As a Mortgage Underwriter, you will analyze loan requests and make credit decisions based on lending policy.

Every day you will:

• Consistently demonstrate alignment with OCCU vision and values.
• Underwrite residential loans in accordance with standards and guidelines of OCCU, GSE, investors/insurers as well as regulatory standards.
• Analyze and evaluate all aspects of borrower’s credit, related risks and offsets, employment/income and asset profiles to arrive at a loan decision.
• Summarize loan requests and assist in presenting these requests to the appropriate loan committee as needed.
• Provide guidance to staff, resolving more complex underwriting issues by following current guidelines and underwriting overlays.
• Follow current loan policies and procedures to ensure compliance. Understand and implement the Equal Credit Opportunity Act, the Federal Truth-in-Lending Act and other federal and state lending laws applying to state-chartered credit unions.
• Must follow all BSA regulations, including completing CTR reports when applicable, reporting suspicious activity via SAR when applicable and completing annual training.
• Maintain the highest level of confidentiality regarding all sensitive, confidential and proprietary OCCU information.

To thrive in this role, you need:

• A minimum of three years of secondary market underwriting experience. Government experience preferred.
• Equivalent to a college degree or completion of a specialized course of study at a business or trade school and equivalent work experience.

Qualified candidates for this position will have the relevant education and experience necessary to perform the essential functions and meet the minimum performance expectations for this position with or without accommodation.

OCCU offers a robust compensation and benefits package including:

• Low-cost medical, dental and vision insurance.
• 401(k) retirement plan with employer match.
• Paid time off in addition to 12 paid holidays.
• Tuition reimbursement for eligible education and training.
• Company-paid short-term and long-term disability.

OCCU is an Equal Opportunity Employer.