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Senior Underwriting Officer (NE), Mortgage Loan

El Monte, CA, USA Req #655
Tuesday, September 10, 2019
About Cathay Bank

More than half a century ago, we opened our doors at Cathay Bank to serve the growing Chinese American community in Los Angeles. We helped our customers put down new roots with cars and homes, and we supported their businesses, which continue to sustain generations. We remain committed to enriching the journeys of our customers and the diverse communities we serve.

Over time, we’ve expanded along with our customers. Today, we’re a subsidiary of Cathay General Bancorp (NASDAQ: CATY), a publicly held bank holding company. We operate in nine states across the United States, including California, New York, Illinois, Washington, Texas, Maryland, Massachusetts, Nevada, and New Jersey, and we have outposts in Hong Kong, Beijing, Shanghai and Taipei. Forbes named us the #10 Best Bank in America in 2019.

Along with our extensive experience and innovative thinking, we bring an open mind to every interaction and a willingness to work with customers and communities in ways that best suit their needs. Our lines of business include personal banking, home mortgages, business banking, corporate
lending, cash management, SBA loan programs, community lending, international banking, foreign exchange, and wealth management.

What’s Next

Are you passionate about a potential career in the financial services industry? Cathay Bank is excited about what’s to come for our company and customers. Our employees are the reason our customers can get where they want to go and aspire to what’s next.

If you bring your best self to work, see opportunities instead of obstacles, and always want to advance in your career, then Cathay Bank may be a great fit for you. We’re excited to offer our employees opportunities to grow and develop in their career journey. We also provide the resources, support and freedom so that employees can best deliver an extraordinary customer experience.

Join Cathay Bank—and be energized by what’s possible for your career!



Following established policies and department procedures, responsible for underwriting mortgage loans and home equity lines of credit.  The Senior 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, have the ability to multi-task, and must be detail oriented.  The Senior Mortgage Underwriting Officer may be responsible to train and review the work of new and less experienced underwriters. 




The incumbent has no direct reports.



  1. Underwrites mortgage loans and home equity lines of credit in compliance with the bank’s established or investor credit guidelines.
  2. Conducts initial and final underwriting reviews and render decisions within the regulatory required and internal service level timeframes.
  3. Ensures compliance with Bank, regulatory and credit requirements with emphasis on providing excellent customer experience while adhering to given deadlines.
  4. Assists mortgage loan originators in understanding loan conditions.
  5. Respond to audits and post-closing issues in a timely manner.



  • Education:    College graduate with major in accounting or business preferred or related experience.

  • Experience:  5-7 years mortgage lending and banking experience with good knowledge of lending regulations and credit/collateral analysis practices.

  • Skills/Ability: PC proficient.  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 and strong problem-solving skills.  Ability to work effectively in a fast paced, high production environment.  Strong analytical skills with the ability to think “outside the box” and develop viable solutions within scope of applicable laws and regulations.

Cathay Bank is an equal opportunity employer. It is the Bank’s policy to provide equal employment opportunities to all qualified applicants. Qualified applicants will be considered for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin or any other classification protected by applicable federal, state or local non-discrimination law. 

Click here to view the EEO is the Law poster in English. Poster- English
Click here to view the EEO is the Law supplement in English.Supplement- English

Clic aquí para ver la EEO es la Ley póster en español. Poster- Spanish
Clic aquí para ver la EEO es la Ley suplemento en español.Supplement- Spanish

点击这里查看EEO是法律海报的中文Poster- Chinese
点击这里查看EEO是法律和补充條例的中文"Supplement- Chinese

  • El Monte, CA, USA