Mortgage Underwriter II

AmeriCU Credit Union
AmeriCU Credit Union

Marketing & Communications

New York, USA · Remote

USD 33.78-42.23 / hour

Posted on Jul 28, 2026
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Mortgage Underwriter II
Location: Remote
Compensation: $33.78 to $42.23 per hour, actual rate will depend on experience
Status: Full-Time, Non-exempt

Mortgage Underwriter II - Summary

As a Mortgage Underwriter II, you will ensure the timely and accurate packaging of all loans originated by our Mortgage Sales Executives from file submission to closing. You will be responsible for ensuring loans meet credit union and secondary market underwriting requirements while consistently hitting established Service Level Agreements (SLAs) and supporting our strategic organizational goals.

What You'll Do as a Mortgage Underwriter II
Loan Underwriting & Financial Analysis
  • Risk Assessment: Independently evaluate and underwrite Conventional, Home Equity, and Construction mortgage applications.
  • Credit Evaluation: Analyze borrower credit reports, income stability, assets, and overall debt-to-income ratios.
  • Complex Tax Analysis: Review intricate financial documents, including complex personal and business tax returns, to verify qualifying income.
  • Property Valuation: Review and assess property appraisals to ensure collateral adequacy and full compliance with secondary market and internal guidelines.
Pipeline Management & Communication
  • Volume Management: Efficiently manage an active, fast-paced pipeline of 40 to 50 loan files simultaneously.
  • SLA Compliance: Ensure all underwriting decisions and conditional approvals are made within established Service Level Agreements.
  • Stakeholder Collaboration: Communicate complex underwriting decisions and clear conditions to processors, loan officers, and members.
  • File Efficiency: Partner with the sales and operations teams to streamline the loan file from initial submission to final closing.
Compliance & Culture
  • Regulatory Alignment: Stay continuously updated on federal lending regulations, investor guidelines, and industry best practices.
  • Quality Benchmarks: Maintain strict alignment with departmental productivity and loan quality benchmarks.

About AmeriCU Credit Union

AmeriCU is a not-for-profit credit union based in Rome, NY with over $3 billion in assets and serving more than 185,000 members across Central New York and beyond. For over 75 years, we have remained committed to our members, employees, and communities.

We are proud to have been recognized as one of the Best Companies to Work for in New York State and named by American Banker as one of the Best Credit Unions to Work for in the United States.

Come grow with us!
Whether you are just starting out or have been working in your field already, we offer opportunities for growth and advancement. It is our goal to hire employees who will provide exceptional service to our members and who value giving back and supporting the communities we serve. In addition, we offer the following benefits:
Competitive rates on our Medical, Dental and Vision plans
Generous contribution to your Health Savings Account, if you choose to enroll in one of AmeriCU’s High Deductible Health plans
Paid Holidays
Paid Time off – Vacation, Personal or Sick and Birthday
Employee Appreciation Events
401(k) Matching after 1 year of employment
Employee Assistance Program
Tuition Reimbursement for Full-time employees after 1 year of employment
Life Insurance & Accidental Death & Dismemberment Insurance, free to all Full-time employees
Enhanced Short Term Disability – at no cost to you!

Learn more:

  • https://www.americu.org/in-our-community/
  • https://www.americu.org/why-americu/

Apply now
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