At Hawaii Central Federal Credit Union, we are always looking for enthusiastic and motivated individuals to join our team. A great opportunity for that right person!

Complete the online form or you may also complete the application and mail or drop it off at the main branch:

Hawaii Central Federal Credit Union, Attn: Human Resources

681 South King Street, Honolulu, Hawaii 96813.

Benefits

- Competitive Compensation: Competitive pay, merit increases, and incentives.
- Vacation & Sick Leave: Up to 21 days of vacation and up to 14 days of sick leave per year.
- Paid Personal Days Off: Enjoy an additional 4 paid personal days off per year.
- Paid Holidays Time Off: 11 paid annual holidays.
- Retirement Savings:Contribute to a 401(k) plan with up to 5% employer match.
- Transportation Subsidy:Up to $160 parking subsidy or 100% bus pass reimbursement.
- Health Coverage: Comprehensive medical and dental coverage, with 100% paid single coverage for employees.
- Additional Benefits: Paid Life insurance, Flexible spending account, Disability insurance, Opportunities for advancement, Employee assistance program, and Employee Referral program.

Real Estate Loan Underwriter

Location: Main

Primary Responsibilities:

Responsible for evaluating Real Estate loan applications by analyzing credit reports, income, assets, and debt to assess risk, ensuring compliance with policies and regulations, and making approval/denial decisions, while also communicating with loan officers/members and maintaining loan file accuracy.

Essential Duties:

- Evaluate residential loan files/applications for qualification to various loan programs available.
- Underwrite all Real Estate related loans to provide proper representations and warranties to investors.
- Review purchase contracts, appraisals,



property standards to meet investor, state and federal guidelines.
- Underwrite loan files to include necessary documentation ensuring compliance with investor and industry guidelines and qualifications.
- Maintain updates, changes and have a clear understanding of applicable regulations and disclosures to investor, mortgage lender, mortgage insurance companies and credit union service organizations.
- Ability to identify, define, provide specific detailed information and responses with regards to questions and concerns on a timely basis.
- Knowledge of investor and loan program guidelines including but not limited to FHLMC, FNMA, FHA, VA, HELOC, various credit union real estate products and services as well as insurance companies.
- Able to read, analyze and comprehend common, technical and legal industry forms and documents specific to the real estate and credit union lending industry.
- Must be able to work with little supervision, possess efficient and accurate record organization, management and accountability skills necessary to work effectively under pressure to meet critical deadlines and make sound decisions.
- Communicate verbally, effectively and professionally with credit union officials, third party vendors, regulators and investors.
- Knowledgeable in credit union policy, practices and procedure.

Other Duties: 1)Represent HCFCU in community events, as appropriate.2)Actively participate in credit union functions.3)Other duties as assigned.

Minimum Qualification Requirements:

- Bachelors’ Degree in Business and or 7-10 years’ experience in the real estate lending industry.
- NMLS License.
- Must possess effective written and verbal communication skills.
- PC knowledge, word processing, email, spreadsheet and other related applications.
- Ability to work versátil hours

📌 Real Estate Loan Underwriter (Lima)
🏢 Hawaii Central FCU
📍 Lima