Mortgage Underwriter II

Status: Non-exempt

Location: Sodus, NY. The position will allow for some remote work flexibility; however, an in-person presence is expected. 

Schedule: Monday - Friday. Must be flexible to meet current and future business needs.

General Summary:

Reliant Credit union, ranked one of Rochester's top mid-sized workplaces six years in a row, seeks a Mortgage Underwriter II to join our team.

The Mortgage Underwriter II is responsible for underwriting conventional mortgage loans in accordance with Fannie Mae, Investors, SONYMA and/or the Credit Union’s mortgage portfolio guidelines. Evaluates  

As a Mortgage Underwriter II at Reliant, you will:

  • Underwrite loan applications to granted credit underwriting authority as assigned by Senior Management and approved by the Board of Directors.
  • Analyze and evaluate mortgage loan files, which includes member application, income documentation, appraisal, and title reports, to ensure compliance with the company's policies, as well as state and federal guidelines and regulations.
  • Analyze loan attributes, data integrity, and documentation for soundness and accuracy.
  • Analyze loan applications to identify any risk issues and/or potential misrepresentation.
  • Review all Automated Underwriting System (AUS) findings and ensure data integrity of income, credit debts, assets and equity calculations and adherence to guidelines.

Reliant's benefits package includes:

  • 401k retirement plan with up to 7% match
  • Paid time off including vacation, sick, federal holidays and your birthday!
  • Affordable Insurances (medical, dental, vision, life) for as little as $5 a month
  • Branded Apparel - to truly make you feel part of the team
  • And much more!


  • A 2 year college degree in Business or related field preferred.
  • 5+ years of residential mortgage experience required, with at least 3 years in mortgage underwriting.
  • DE Certification desired.
  • FHA, USDA and VA underwriting experience highly preferred.


  • Knowledge of: 

a. Automated and manual underwriting of conventional mortgage loans

b. Federal and state mortgage lending regulations

c. Fannie Mae Selling Guide and System Applications (DU, CPM, CU, UCD, EarlyCheck, SMDU)

d. State of New York Mortgage Agency programs and guidelines

  • Skills:

a. Intermediate level personal computer skills, particularly Microsoft Office suite. 

b. Excellent verbal and strong written communication skills.

  • Ability to:

a. Utilize mortgage loan origination system.

b. Analyze income for self-employed borrowers and for 2-4 unit properties per current secondary market guidelines.


The starting hourly wage for this position is expected to be between $28.50 - $40.00 per hour. The actual hourly wage will be determined based on experience and other-job related factors, consistent with applicable law.   

Candidates considered for hire are subject to credit and other employment reference checks.

Reliant Community Federal Credit Union is proud to be an Equal Opportunity Employer, AA Disability/Veteran. If you are interested in applying for employment and need special assistance or an accommodation to apply for a posted position, contact our Human Resources department via phone at 800-724-9282 or email at 

Salary Description
$28.50 - $40.00