Home Equity Lending Underwriter

To maintain a strong connection with our members and local communities and better understand their unique needs, we are currently considering applications from candidates residing in Oregon and Washington for all open positions. We appreciate your understanding as we focus our hiring efforts in these specific regions. And, we encourage all qualified candidates from these states to apply, as we look forward to learning more about your unique skills and experience!

Applicants are encouraged to apply by April 20th, 2026, at 5:00 PM PST. Job postings are subject to close early or extend longer than the anticipated closing date. We recommend applying as soon as possible.

Where You Will Work: Remote role open to candidates residing in Washington (WA) or Oregon (OR). (Branches)

Pay Range: The target hourly pay range for this position is $33.17 - $37.69. The full hourly pay range is $30.15 - $45.23.

• Compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer of employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role.

Job Overview:

This position is responsible for reviewing and analyzing home equity loan applications to determine borrowers’ eligibility based on credit, financial, and collateral risk factors. Makes sound credit decisions after fully evaluating borrowers’ financial profiles and underwriting the subject property, while ensuring compliance with all regulatory and company standards.

What You’ll Do: 

• Analyzes home equity loan applications and supporting documentation for accuracy and completeness.
• Evaluates borrowers credit histories, income sources, ability to repay, and collateral sources.
• Performs risk review and determines loan to values (LTV), combined loan to value (CLTV), and debt to income (DTI) ratios are acceptable.
• Decisions loans within designated authority levels ensuring sound and responsible lending practices, while maintaining a solutions-based mindset. Issues counter offers when feasible.
• Supports team members by answering questions, assisting with problem resolution, and providing counsel on complex loan scenarios.
• Collaborates with and develops strong relationships with loan officer team while working towards solutions to facilitate loan approval, ensuring an exceptional member experience.
• Maintains a high level of knowledge on all types of loans offered and the features and benefits of all related credit union services and products, with an emphasis on home equity products.
• Manages the underwriting pipeline to ensure service and regulatory standards are maintained.
• Ensures adherence to all federal and state regulatory requirements, confirming and documenting Home Mortgage Disclosure Act (HMDA) action take reasons are appropriate.
• Skilled in analyzing income documentation, tax returns, credit risk, property valuations, title reports, and all aspects of the credit decisioning process.
• Identifies potential issues with loan files and resolves accordingly and/or collaborates with management to resolve as needed.
• All other duties as assigned.

When You'll Be Working:  Monday- Friday 8:30am - 5:30pm. Full-time 40 hours a week.

Qualifications: 

• Minimum two (2) years experience in real estate underwriting or a related field. Previous experience in a credit union or other financial institution required. Must possess strong analytical skills, understanding of the real estate market, financial statements, title documents, tax returns, and the residential lending market.

What You’ll Bring:

• In depth knowledge of residential lending regulations, underwriting guidelines, and industry best practices.
• Excellent attention to detail and ability to multitask, while managing high volumes of work.
• Sound decision making and problem-solving skills.
• Work under pressure or stress, handling multiple tasks and deadlines with frequent changes to priority status.
• Ability to perform detailed work from routine to complex in nature.
• Excellent analytical and financial assessment skills.
• Proficient in using real estate lending software and financial analysis tools.
• Demonstrated knowledge of Credit Union lending policies and procedures to effectively answer member and branch personnel’s questions.
• Strong negotiation skills to effectively work with team members in order to get the best or most appropriate loan decision for the membership.
• Ability to work independently and function effectively as a member of a team.
• Cultivate collaborative and effective relationships with team mates.
• Must demonstrate the ability to exercise judgment, initiative, and tact in dealing with team mates and management.

Total Rewards: 

This position is eligible for Full-Time Regular benefits. Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage.

• Includes an option for Medical, Dental, and Vision insurance to be paid at a 100% by company for the employee only coverage. 
• We also offer Health Care FSA (HCFSA), Health Savings Account (HSA) with employer contributions, and Dependent Care FSA (DCFSA).
• Employees also have access to Life and AD&D insurance.
• Employees are able to enroll in our 401k plan.
• Full-Time Regular employees accrue 8 hours of vacation and 8 hours of sick leave, on a monthly basis. 
• Full-Time Regular hired employees also receive 11 paid holidays throughout the calendar year, 1 floating holiday, 16 hours of self-care time, and 16 hours of volunteer time.

All benefits except 401k start the first of the month following date of hire. Employees become eligible to contribute to 401k on the first of the month following 60 days of employment.

Peak Credit Union participates in E-Verify. We use E-Verify to confirm the identity and employment eligibility of all persons hired to work in the United States.

For more information on E-Verify, please click here: E-Verify Participation Poster English and Spanish

For more information on Right to Work, please click here: Right to Work

Peak Credit Union is an Affirmative Action and Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Equal Employment Opportunity Posters 

If you’d like to view a copy of the company’s affirmative action plan or policy statement, please email Careers@peakcu.org. If you have a disability and you believe you need a reasonable accommodation in order to search for a job opening or to submit an online application, please e-mail Careers@peakcu.org. This email is created exclusively to assist disabled job seekers whose disability prevents them from being able to apply online. Only messages left for this purpose will be returned. Messages left for other purposes, such as following up on an application or technical issues not related to a disability, will not receive a response.

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When you apply to a job on this site, the personal data contained in your application will be collected by Peak Credit Union. Your personal data will be processed for the purposes of managing the Credit Union’s recruitment related activities, which include setting up and conducting interviews and tests for applicants, evaluating and assessing the results thereto, and as is otherwise needed in the recruitment and hiring processes. Such processing is legally permissible under state and federal law. Your personal data will be shared with Greenhouse Software, Inc., a cloud services provider located in the United States of America and engaged by the Credit Union to help manage its recruitment and hiring process. Your personal data will be retained by the Credit Union as long as the Credit Union determines it is necessary to evaluate your application for employment and as required under applicable state and federal law. Greenhouse is under contractual obligation to keep such information confidential, and the Credit Union’s privacy practices comply with all applicable state and federal laws.