Underwriting Officer, Mortgage Loan - El Monte California

Company: Cathay General Bancorp
Location: El Monte, California
Posted On: 03/04/2026

Following established policies and department procedures, responsible for underwriting mortgage loans and home equity lines of credit. The Mortgage Underwriter position is responsible for underwriting conventional, jumbo home loans and home equity lines of credit following established company and agency guidelines and ensuring compliance with applicable government rules and regulations. Ideal candidates will be service-focused with excellent time-management and communication skills, can multitask, and must be detail oriented. ESSENTIAL FUNCTIONS • Underwrite mortgage loans and home equity lines of credit in compliance with Bank’s established or investor credit guidelines. • Conduct initial and final underwriting reviews and render decisions within the regulatory required timeframes. • Ensure compliance with Bank, regulatory and credit requirements with emphasis on quality client service while adhering to given deadlines. • Assist mortgage loan originators in understanding loan conditions. • Respond to audits and post-closing issues in a timely manner. QUALIFICATIONS • Education: College graduate with major in accounting or business preferred or related experience. • Experience: Minimum five years of mortgage lending and banking experience with good knowledge of lending regulations and credit/collateral analysis practices. • Skills/Ability: Loan Origination System proficient. Experience with Empower a plus. Good verbal and written communication skills. Bilingual a plus. Organized and detail oriented. Able to develop working knowledge of Bank’s credit underwriting policies and approval process for assigned loans. Ability to analyze complex credit transactions, asset documents, and personal & business tax returns. Must possess strong problem-solving skills and be able to prioritize workload and manage pipeline efficiently. Ability to work effectively in a fast-paced, high production environment. Strong analytical skills. High level of latitude and ability to develop viable solutions within scope of applicable laws and regulations. More...

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