Mortgage Underwriter - Fargo
Location: Fargo, North Dakota, United States
Company: First Community Credit Union
Job Type: Full-time
Posted: Feb 4, 2026
Application deadline: Apr 12, 2026
Source: ZipRecruiter
About FCCU
FCCU is the largest credit union in the region with over a billion dollars in assets. We are a growing family of employees who succeed both personally and professionally. We offer competitive total compensation, technical and leadership development, and opportunities for industry and community involvement.
As a credit union we are member owned. This allows us to invest in our members and the communities we serve. Through helping others achieve financial growth and giving back to our communities, you can truly fulfill the FCCU mission of Life is Better with Community.
Core Values-Strengthen Community by helping members grow and thrive.
- Community-Our Communities define who we are "People Helping People."
- Integrity-We will live and work with uncompromised integrity.
- Passion-We will display passion in our work and service to our membership.
- Growth-We believe that growing both as a Credit Union and professionally as employees is imperative to our long-term success.
Position Overview
The Mortgage Underwriter plays a critical role in advancing FCCU's mission of strengthening communities by helping members grow and thrive. This position is responsible for evaluating and underwriting residential mortgage loan requests, ensuring each loan is sound, compliant, and aligned with Credit Union policies and regulatory requirements. Through careful analysis of financial documentation and timely decision-making, the Mortgage Underwriter helps deliver a smooth, efficient lending experience for members while supporting the Credit Union's commitment to responsible lending and secondary market success.
Beyond technical expertise, this role is centered on collaboration, accuracy, and service. The Mortgage Underwriter works closely with loan officers, branches, and external partners to communicate underwriting decisions, identify conditions, and ensure loan files are complete and compliant from application through closing. Ideal candidates are analytical, detail-oriented, and thrive in a fast-paced environment where precision and deadlines matter. If you are passionate about mortgage lending, enjoy problem-solving, and take pride in contributing to financial solutions that help members achieve homeownership, this role offers a meaningful opportunity to make an impact.
Duties and Responsibilities
- Review and underwrite mortgage loan files in a timely manner to ensure compliance with credit union policies, loan program guidelines, and regulatory requirements.
- Analyze borrower credit, income, assets, appraisals, and supporting documentation to determine loan eligibility and risk.
- Communicate underwriting decisions clearly and professionally, providing conditions and guidance to lending staff as needed.
- Ensure accuracy and completeness of loan documentation, including insurance, title work, and legal descriptions, prior to closing.
- Submit and manage loan files through automated underwriting systems and secondary market or agency programs (e.g., USDA, NDHFA).
- Maintain strong working knowledge of mortgage loan products, underwriting standards, and regulatory requirements while supporting internal teams and member service.
Qualifications
- Bachelor's degree in business or related field or comparable work experience
- Three years' experience with mortgage lending, processing, or underwriting
- Comprehensive knowledge of federal and state regulations and laws as they pertain to mortgage lending
- Ability to communication, both written and verbal
- Detail-oriented and able to prepare clear and concise reports
- Perform mathematical calculations and work accurately with numbers
Benefits
We provide a great benefits package that includes 11 paid federal holidays, 401k match, fully paid single medical, dental and vision and much more. While we know benefits are highly important, we also recognize and support the value of a family and work life balance.
Work Schedule
Full time Monday-Friday
You must complete an FCCU employment application located at https://www.myfccu.com/careers
First Community Credit Union is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. (EOE, including disability/vets)
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