Junior Underwriter UpEquity UpEquity

Job Description and Requirements:

The Mortgage Junior Underwriter position is an entry level position that will work under close and direct supervision while developing the necessary knowledge, skills and abilities to independently analyze portfolio/secondary market guidelines, loan policy, and other daily underwriting functions. During the required training, you will become familiar with underwriting’s operations, policies and procedures.

Essential Functions & Responsibilities:

  • Assist With Desktop Underwriter Approve/Eligible Validation.
  • Provide A Preliminary Review And Initial Underwrite Of Submitted Conventional Files
  • Analyze Conditional Approval Submissions To Determine If The Underwriting Conditions Have Been Met.
  • Experience Analyzing Loan To Value Ratios, Debt To Income Ratios, Credit Reports, Applications, Income And Asset Documentation, And Other Loan Documentation In File.
  • Experience Calculating Borrower Income, And Complete Necessary Worksheets Along With Residual Income Calculator When Needed.
  • Experience Reviewing And Evaluating Residential Appraisals.
  • Gain Knowledge Of Cu Loan Policy, Documentation Requirements, And Utilize The Guides To Properly Clear The Conditions On All Loans.
  • Maintain The Confidentiality Of The Information Reviewed.
  • Maintain And Improve Personal Knowledge And Skills.
  • Perform Duties In Compliance With Applicable Laws And Regulations, Including But Not Limited To The Bank Secrecy Act (BSA) And Related Anti-money Laundering Laws, And In Accordance With The Cu Information Security Program.
  • Continue Professional Development Through Training, Seminars, And Mentorship As Applicable.
  • All Other Duties As Assigned (Note: Essential Functions And Responsibilities May Change Or New Ones May Be Assigned At Any Time With Or Without Notice).


  • High School Diploma Or GED
  • 1-3 Years Of Mortgage Lending Experience
  • Proficient Analytical Skills And Mortgage Lending Knowledge
  • Understanding Of Fannie Mae And Freddie Mac Guidelines


  • Experience With LendingPad

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