Sr Analyst, Real Estate QC Underwriting
Location: Eugene, Oregon, United States
Company: PenFed Credit Union
Job Type: Full-time
Posted: Feb 5, 2026
Application deadline: Apr 12, 2026
Source: ZipRecruiter
Overview
PenFed is hiring a (Hybrid) Sr Analyst, Real Estate QC Underwriting at our Omaha, Nebraska; San Antonio, Texas; Eugene, Oregon or Tysons, Virginia location. The primary purpose of this job is to perform quality control reviews for first trust conventional, VA, FHA and equity real estate loans. This role will evaluate the integrity and quality of the credit, compliance, and collateral aspects of the mortgage loan origination process through pre-funding and post-funding loan reviews designed to verify the accuracy and integrity of the information and loan documentation used to support the lending decision for conventional, VA, FHA, and Equity Line of Credit loans. It will validate adherence to PenFed’s policies and procedures and secondary marketing investor guidelines. This role requires expertise in evaluating property valuations, including all types of appraisals, AVMs and property condition inspections, with knowledge of Interagency guidelines and Appraisal Independence Requirements.
Responsibilities
Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties, and the position will perform other duties as assigned.
- Conduct reviews of first trust conventional, VA, FHA and equity mortgage loans to ensure that loans were properly underwritten, and that sound judgment was used in the underwriting process. Complete a thorough analysis of loan files to determine member credit worthiness and collateral values were adequate. Review legal and compliance documentation as applicable.
- Conduct reviews of mortgage loans to evaluate the accuracy and integrity of the information and loan documentation used to support the lending decision.
- Conduct reviews of mortgage loans to ensure compliance with PenFed’s policy and procedures, investor, agency, and secondary market requirements.
- Analyze and determine accurate defect ratings based on investor’s loan eligibility requirements. Evaluate the entire credit package and collateral for residential mortgage loans and ultimately ensure an investment quality loan product.
- Follow up on previous deficiencies and examine samples of corrected files.
- Ability to work collaboratively with Mortgage Operations, providing clarification of review results as needed.
- Understand and interpret all credit underwriting documentation required to be reverified in each loan file and conduct further research as necessary.
- Perform peer reviews and provide guidance to junior analysts as needed.
- Assist with process testing as assigned and participate in special projects.
- Maintain a working knowledge of internal policies, procedure, external regulations, secondary market underwriting guidelines, investor, and private mortgage insurance guidelines.
- Maintain current knowledge of Fannie Mae, Veterans Administration (VA), Freddie Mac, FHA and external investors.
Qualifications
Equivalent combination of education and experience is considered.
- Bachelor’s degree in business, accounting, finance, or another related field required.
- Minimum of three (3) years progressive experience in real estate lending with underwriting experience required, preferably in a bank or credit union environment.
- Advanced knowledge of real estate loans (origination, processing, closing, funding) required. Broad knowledge of consumer real estate lending, including first trust mortgage loans, home equity loans and lines of credit.
- Knowledge of lending compliance regulations and system definitions.
- Active or recent VA SAR and/or FHA DE underwriting authority preferred.
- Proficiency with Encompass is highly desirable.
Supervisory Responsibility
This position will not supervise employees.
Licenses and Certifications
There are no additional certifications required.
Work Environment
While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise.
- Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.*
Travel
The ability to travel to various worksites and be on-call may be required.
#LI-Hybrid
About Us
Established in 1935, PenFed today is one of the country’s strongest and most stable financial institutions with over 2.9 million members and over $31 billion in assets. We serve members in all 50 states and the District of Columbia, as well as in Guam and Puerto Rico. We are federally insured by NCUA and we are an Equal Housing Lender. We are available to members worldwide, via the web, seven days a week, twenty-four hours a day.
We provide our employees with a lucrative benefits package including robust medical, dental and vision plan options, plenty of paid time off, 401k with employer match, on-site fitness facilities at our larger locations, and more.
Equal Employment Opportunity
PenFed management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. PenFed will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same.
PenFed will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to PenFed. Contact human resources (HR) with any questions or requests for accommodation at 402-639-8568.
Qualifications:
Equivalent combination of education and experience is considered.
- Bachelor’s degree in business, accounting, finance, or another related field required.
- Minimum of three (3) years progressive experience in real estate lending with underwriting experience required, preferably in a bank or credit union environment.
- Advanced knowledge of real estate loans (origination, processing, closing, funding) required. Broad knowledge of consumer real estate lending, including first trust mortgage loans, home equity loans and lines of credit.
- Knowledge of lending compliance regulations and system definitions.
- Active or recent VA SAR and/or FHA DE underwriting authority preferred.
- Proficiency with Encompass is highly desirable.
Supervisory Responsibility
This position will not supervise employees.
Licenses and Certifications
There are no additional certifications required.
Work Environment
While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise.
- Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.*
Travel
The ability to travel to various worksites and be on-call may be required.
#LI-Hybrid
Education:UNAVAILABLEEmployment Type: FULL_TIME
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