United Texas Credit Union
Mortgage Operations Specialist (Processor/Underwriter)
San Antonio, TX - Full Time
Overview:
We’re seeking an experienced mortgage professional to assume a hands-on operations role, responsible for processing, underwriting, and closing mortgage loans. This position replaces a leadership-level departure, so we’re seeking someone confident, efficient, and capable of managing files from approval through closing — all while maintaining compliance and delivering an excellent member experience. You’ll work with a mix of portfolio loans, brokered loans through established wholesale partners, and construction lending.
Key Responsibilities:
We’re a member-focused credit union with a proactive lending culture and a growing mortgage presence. We don’t sell into the secondary market — instead, we pride ourselves on our flexibility, fast decisions, and ability to say “yes” when others say “no.” If you’re looking for a stable environment where you can make a real impact and use the full range of your mortgage operations experience, this is the role for you.
We’re seeking an experienced mortgage professional to assume a hands-on operations role, responsible for processing, underwriting, and closing mortgage loans. This position replaces a leadership-level departure, so we’re seeking someone confident, efficient, and capable of managing files from approval through closing — all while maintaining compliance and delivering an excellent member experience. You’ll work with a mix of portfolio loans, brokered loans through established wholesale partners, and construction lending.
Key Responsibilities:
- Review and clear loan conditions in a timely and accurate manner
- Underwrite loans according to Fannie Mae guidelines, credit union policies, and broker partner requirements
- Prepare, balance, and finalize Closing Disclosures (CDs) and closing packages
- Ensure all mortgage activity is in full compliance with HMDA reporting requirements
- Manage pipeline workflows to meet member expectations and closing deadlines
- Partner with originators, brokers, title companies, and internal stakeholders to keep files moving
- Maintain up-to-date and complete documentation in the Calyx LOS
- Identify and escalate any red flags or compliance concerns
- Provide support for construction lending workflows, including draw schedules and inspections
- Assist with post-closing and QC
- 5+ years of mortgage experience in processing and/or underwriting
- Proficient understanding of Fannie Mae guidelines
- Familiarity with construction and portfolio lending practices
- Strong knowledge of HMDA reporting rules and general mortgage compliance
- Proficiency with Calyx or similar loan origination systems
- Comfortable working across multiple channels (portfolio, brokered, construction)
- Organized, detail-focused, and highly responsive
- Excellent communication skills — especially when working with originators and third parties
- Self-motivated with the ability to work independently and meet deadlines
We’re a member-focused credit union with a proactive lending culture and a growing mortgage presence. We don’t sell into the secondary market — instead, we pride ourselves on our flexibility, fast decisions, and ability to say “yes” when others say “no.” If you’re looking for a stable environment where you can make a real impact and use the full range of your mortgage operations experience, this is the role for you.
