At Genisys Credit Union, we value our employees who are essential to our ongoing growth and success as a financial institution of choice. We are currently seeking motivated candidates for a Full Time Senior Portfolio Underwriter position at our Mortgage Center in Auburn Hills, MI. **Position Purpose:** Reviews and analyzes underwriting documentation used to support a lending decision for a mortgage, including the application employment, income, assets, liabilities, credit history, purchase agreement and appraisal in order to determine whether a mortgage application conforms to credit union and secondary market guidelines. In addition a Senior Underwriter will act as a trainer and mentor for the other underwriters and will be responsible for underwriting the more complex portfolio loans including those that are New Construction loans, and Super Jumbo loans. **Job Duties (include but not limited to):** + Identifies potential risks and mitigating factors that could impact the member’s ability to repay the loan.. + Analyzes credit, income, assets, purchase agreements, appraisal, title work, homeowner insurance, compliance and other relevant information in order to make a prudent lending decision. + Effectively formulates risk based decisions on credit worthiness of borrowers in accordance with the applicable current Fannie Mae, credit union and Ability to Repay underwriting guidelines. + Completes a thorough analysis of loan files to determine accuracy against supporting documents in file and compliance with applicable credit union, agency, and/or regulatory guidelines. + Checks accuracy of all calculations related to the file. **Qualifications:** + Minimum of five years of underwriting in a secondary marketing environment. + Experience with DU and/or LP required. + High school graduate or equivalent + Knowledge of mortgage related requirements, procedures, FHA, VA, and Fannie Mae and portfolio underwriting criteria. **Skills/Abilities:** + Cooperative and works well with others + Excellent communication skills. + Sound decision-making, organizational and problem solving skills with an ability to multi-task. + Strong mathematical skills, especially the ability to compute ratios and percentages. + Good organizational skills and attentive to detail. **Benefits:** + Paid Time Off + Health, Dental, Vision, Life Insurance, Flexible Spending Accounts, & Short Term/Long Term Disability Available + Paid Tuition to $5000 per year + Holiday pay at 8 hours per observed holiday + Free Financial Planning Assistance + 401k up to 3% match and 5% Profit Share EOE M/F/Disability/Veteran