Home Equity Underwriter

FourLeaf's ultimate goal is to provide the best-in-class member and employee experience, and it all begins with two things: hiring incredible people and giving them a great place to work.

The Home Equity Underwriter reviews and analyzes home equity loan applications to determine whether borrowers meet financial and creditworthiness criteria. The Underwriter assesses the risk associated with approving a loan, evaluates the borrower’s income, credit history, employment history, debt-to-income ratio, available equity, and other important factors. As part of the Home Equity Underwriting team, they strive to provide exceptional service to members and partners.

This opportunity is open to flexible work options including a remote set up.

• Review loan applications, credit reports, and supporting documentation to analyze risk and request additional information and/or documentation as necessary.
• Review income and loan documents or verify self-employed tax returns.
• Monitor and manage pipeline to meet Service Level Agreements.
• Review and follow up on incomplete files for initial decision.
• Work in collaboration with other departments and team members.
• Document and effectively communicate reasons for the rendered decision of loan applications to internal teams and members.
• Ensure compliance with regulatory and partner specific policies and guidelines.
• Validate loan data utilizing internal and external resources to include member documentation and vendor reporting. Identify and resolve any red flags.
• Communicate with closers and processors to resolve issues or as needed.
• Additional job-related projects and duties as assigned by management.

Assets You Will Bring 

• High School Diploma or GED.
• 2+ years of underwriting or processing experience required.

The estimated salary for this role is $26.36 - $30.97 per hour. (FourLeaf Federal Credit Union offers a comprehensive benefits package, including medical, dental, and vision coverage; life and disability insurance; voluntary benefit programs; a 401(k) plan with employer match; reimbursement and wellness programs; and an annual performance-based bonus.) In addition to the salary or hourly rate listed above there may be other compensation & benefits available.

#LI-Remote  

What Sets Us Apart? 

In addition to our comprehensive benefits, we invest in employee connection and well-being through: 

• Competitive 401(k)
• Tuition and fitness reimbursement programs
• Flexible work options
• Volunteer opportunities
• Executive “Water Cooler Chats”
• Clubs, sports, and social events
• Food truck days

….and more! 

Who is FourLeaf? 

FourLeaf Federal Credit Union (FourLeaf) has been committed to the financial well-being of our members for over 80 years. Through our full range of competitive savings and loan products, you can trust us in every step of your financial journey. From applying for a credit card to closing on your mortgage to opening your child’s first savings account, FourLeaf is here to help you reach your financial goals. 

We are proud to be an award-winning place to work! Some of our recent recognitions include Certified Great Place to Work 2024-2025, America’s Greatest Midsize Workplaces 2025, and Fortune’s Best Workplaces in Financial Services & Insurance 2024.  

As a credit union, our vision is to enrich the lives of our members, employees, and communities. Since 2002, we have been an integral community partner through our charitable giving and community development programs in New York and beyond.