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MUFG Union Bank Senior Mortgage Loan Underwriter - Remote / San Diego in Sacramento, California


Are you passionate about creating an exceptional client experience?

Discover your opportunity with Union Bank, a division of the Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world. At Union Bank, we care about the details that matter most to our clients. We have our clients’ best interest in mind, drawing on more than 150 years of experience to understand their distinct needs and tailor our solutions. We’re part of 180,000 colleagues around the globe striving to be the world’s most trusted financial group. Trust starts with a culture of putting people first and empowering you to achieve your potential. Join Union Bank, where being inspired is expected and creating results is rewarded.

Job Summary

The Underwriter is responsible for reviewing, analyzing, making credit decisions and underwriting loans originated through Retail, Wholesale, HELOC and/or Alternative Delivery Channel originations.

Major Responsibilities:

  • 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

Role Attributes:

Individuals are knowledgeable in their area of expertise and are fully capable of executing/completing the most complex transactions and tasks. Identify and resolve problems in a timely fashion following established guidelines. Refer more complex problems to their supervisor or manager for resolution. Will be required to obtain and maintain Lending Authority levels. Primary focus of role is on day to-day deliverables, developing and delivering upon subject expertise, and occasionally representing the department or function at a broader level. Individuals at this level are expected to use some independence of thought but refer more complex transactions to other experts. May train, mentor and direct day-to-day work of junior staff, but will not typically have formal management role.


Incumbent will typically have more than 5 years’ experience with a strong knowledge of the business and general office skills. NMLS Registration is required. This position may be subject to SAFE Act Registration Requirements.

Pursuant to the SAFE Act requirements, all applicants for employment who will be engaged in residential loan mortgage originations (as defined by the SAFE Act) must register with the federal registry system and maintain a status in good standing under the SAFE Act requirements. If at any time the Bank determines that your position requires SAFE Act registration, you will be required to register and to submit to the required SAFE Act background check and registration process. Failure to register successfully or to maintain a status in good standing under the SAFE Act will affect your eligibility for continued employment and may result in your immediate termination.

The above statements are intended to describe the general nature and level of the 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

Other Locations: CALIFORNIA-San Diego

Schedule Full Time

Shift Day

Req ID: 10037960-WD