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MUFG Union Bank Consumer Credit Underwriter II in Sacramento, California


Role Attributes: Responsible for following established guidelines and identifying and resolving problems. Individuals at this level are expected to use some independence of thought but to refer more complex problems to supervisors or other experts. Individuals would be expected to contribute to work flow or process change and redesign, and to form a strong basic understanding of the specific product or process. Will be required to obtain and maintain Lending Authority levels. Primary focus is on execution within defined parameters, with some expansion based on developing capabilities and or experiences, in partnership with more experienced staff. Works independently on less complex transactions. May require supervision on the larger or more complex transactions. Intermediate staff are still developing advanced knowledge and work under direction of more senior staff or management. Experience: Incumbent will typically have more than 2-4 years experience with a working knowledge of the business and general office skills.


Job Description: The Underwriter is responsible for reviewing, analyzing, making credit decisions and underwriting loans originated through Retail, Wholesale, HELOC and/or Alternative Delivery Channel originations. Responsibilities include: Evaluating and manually underwriting loan packages Validating data for loans approved by DU automated Underwriting engine Reviewing loan approval conditions prior to funding a loan Communicating with residential lending sales, brokers, customers and operations staff regarding non-loan origination activities such as loan decisions, conditions, scenarios, and underwriting guidelines

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.

We are proud to be an Equal Opportunity / Affirmative Action Employer and committed to leveraging the diverse backgrounds, perspectives, and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate in employment decisions on the basis of any protected category.

A conviction is not an absolute bar to employment. Factors such as the age of the offense, evidence of rehabilitation, seriousness of violation, and job relatedness are considered in all employment decisions. Additionally, it's the bank's policy to only inquire into a candidate's criminal history after an offer has been made. Federal law prohibits banks from employing individuals who have been convicted of, or received a pretrial diversion for, certain offenses.

Job: Credit

Primary Location: CALIFORNIA-Sacramento

Schedule Full Time

Shift Day

Req ID: 10041736-WD