NewUnderwriter with VA and FHA Mortgage Loan Experience JobotUnderwriter with VA and FHA Mortgage Loan ExperienceBrea, CA$90,000–$120,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. This is an exciting opportunity for a seasoned professional to bring their expertise in financial and credit analysis, decision making, and loan processing to our fast-paced, customer-focused mortgage industry environment.
NewSenior Mortgage Underwriter JobotSenior Mortgage UnderwriterAvon, CT$90,000–$100,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. Our client is seeking an experienced Senior Mortgage Underwriter with proven, hands‑on expertise in FHA loans, especially 203(k) renovation loans (a strong plus), and VA mortgage programs.
NewRemote Mortgage Underwriter (DE and LAPP/SAR Required) JobotRemote Mortgage Underwriter (DE and LAPP/SAR Required)Charlotte, NCRemote$95,000–$110,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. Your underwriting decisions will directly influence customers’ ability to secure financing for their new homes, making attention to detail, sound judgment, and collaboration essential to success.
NewMortgage Loan Processor JobotMortgage Loan ProcessorCleveland, OH$55,000–$60,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. This role is integral to our operations, requiring a candidate who is detail-oriented, has excellent customer service skills, and possesses strong oral and written communication abilities.
Mortgage Underwriter First Horizon BankMortgage UnderwriterCharlotte, NCEssential Duties and Responsibilities: • Independently evaluate a variety of complex residential mortgage credit applications, credit bureau information, collateral valuation, complicated tax returns, financial statements, sales contracts, title, insurance and/or other supporting documentation to decision loans within designated authority levels by way of automated underwriting tools. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services.
NewReal Estate / Mortgage Loan Originator - Lindale TX Altra Federal Credit UnionReal Estate / Mortgage Loan Originator - Lindale TXLindale, TXSince 1931, Altra Federal Credit Union has been committed to helping members live their best lives by providing trusted financial solutions, personalized services, and a strong focus on community. By joining Altra, you'll not only gain the opportunity to build meaningful relationships with members and coworkers, but you'll also be contributing to a mission-driven organization that is dedicated to improving the financial well-being of our members and the communities we serve.
NewMortgage Loan Officer - Contact Center USAAMortgage Loan Officer - Contact CenterTampa, FLRemote$45,000–$45,000 / yearStays updated on compliance and regulatory requirements and identifies and manages existing and emerging risks that stem from business activities; ensures risks associated with business activities are effectively measured, monitored, and controlled. Under limited supervision, follows established written risk, compliance and regulatory requirements to process VA and Conventional mortgage loans, both purchase and refinance within a service level objective requirement.
Mortgage Loan Processor Paramount Residential Mortgage Group (PRMG)Mortgage Loan ProcessorCincinnati, OH$52,000–$84,000 / yearAs a privately-held mortgage banker and residential home lender, PRMG has successfully helped many borrowers purchase and refinance their homes throughout the United States. Responsibilities:Act as a liaison between applicants, mortgage brokers and loan officers, real estate agents, and mortgage lending underwriters to help further loan approval.
NewSenior Underwriter - Agency | Non-Agency JobotSenior Underwriter - Agency | Non-AgencyQueens, NY$100,000–$120,000 / yearWe are a fast-growing, nationwide direct mortgage lender licensed in 49 states, specializing in a broad range of mortgage solutions including Prime Jumbo, Non-QM, DSCR (rental cash flow), and Agency loans. Information collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal.
Mortgage Loan Officer Grandview LendingMortgage Loan OfficerIndianapolis, INWe are approved to offer Conventional, FHA, VA, USDA/Rural Housing, Investor, Jumbo, and Reverse Mortgage products, and we partner with top national lenders to provide clients with the best options for their unique needs. Proactively generate new business through networking, prospecting, and referral partnerships with realtors, builders, attorneys, and community organizations.
NewWholesale Mortgage Operations Director JobotWholesale Mortgage Operations DirectorBrea, CA$175,000–$250,000 / yearRequired Qualifications • 7+ years of mortgage industry experience • 5+ years of leadership experience managing operations teams • Wholesale mortgage experience is required • Strong understanding of the full loan lifecycle (processing, underwriting, closing) • Knowledge of mortgage regulations (TRID, RESPA, TILA, HMDA, Fair Lending) • Experience with a Loan Origination System (LOS) such as Encompass or similar • Proven ability to manage pipelines, meet deadlines, and drive team performance • Strong leadership, communication, and organizational skills • Ability to work onsite in Brea, CA. Information collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal.
NewHome Loan Consultant - Mortgage Operations Experience Preferred Generations Home LoansHome Loan Consultant - Mortgage Operations Experience PreferredArlington, WA$100,000–$300,000 / yearDESCRIPTION: Generations Home Loans is seeking mortgage operations professionals who are ready to move into a more consultative, client-facing Home Loan Consultant role. Your background in mortgage operations can help you provide practical guidance, reduce confusion for borrowers, and build trust with referral partners who value reliability and execution.
Commercial Underwriter, Sr - CCL Renewal First Horizon BankCommercial Underwriter, Sr - CCL RenewalBirmingham, ALHeadquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. High level of knowledge or Non Owner Occupied CRE underwriting preferred, Knowledge of Moody's CreditLens preferred, Knowledge of nCino preferred .
Junior Loan Officer Cornerstone First MortgageJunior Loan OfficerMiami, FL$60,000–$75,000 / yearCollaborate with the mortgage lender or mortgage banker, underwriter, loan processor, senior MLO / mortgage loan originator, and realtors on behalf of the applicant as needed to make sure the loan transaction goes through successfully. Pipeline Management: Act as the point of contact for clients throughout the loan process, coordinating with processing and underwriting teams to ensure timely progression.
NewQM Underwriting Supervisor JobotQM Underwriting SupervisorBrea, CA$120,000–$140,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. Examples: TRID, RESPA, TILA, ECOA, and HMDA, points and fees, watch lists, red flags for fraud, identity theft, money laundering, etc.
Sr. Mortgage Loan Underwriter - Construction (WA, ID & OR Only) BECUSr. Mortgage Loan Underwriter - Construction (WA, ID & OR Only)Seattle, WAFull timeIn this role, you'll use your knowledge of construction lending programs, along with conventional, FHA/VA, and other specialized mortgage programs to make thoughtful, consistent lending decisions that align with investor and agency guidelines while keeping the member experience at the center of every interaction. Support Exceptional Member Service: Assist Loan Processors and Loan Officers with customer service inquiries, helping identify ways to restructure transactions that align with both member and Credit Union needs.
Non-Delegated Mortgage Underwriter III Western Alliance BankNon-Delegated Mortgage Underwriter IIISeattle, WARemoteFull timeIf you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email recruiter@westernalliancebank.com or call (602) 797-3662. In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career!
Senior Commercial Relationship Manager First Horizon BankSenior Commercial Relationship ManagerHouston, TXHeadquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. Responsible for reviewing closing documents, communicating with clients and identifying portfolio weaknesses and trends and alerting management (Group Manager, Market President, Senior Credit Officer) to deteriorating portfolio conditions .
NewSenior Commercial Client Specialist First Horizon BankSenior Commercial Client SpecialistAtlanta, GAHeadquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. Work closely with Bankers, Underwriters, Loan Closers, Loan processing and legal documentation areas to ensure satisfactory closing of loans to clients with supervision .
Commercial Relationship Manager III First Horizon BankCommercial Relationship Manager IIICoral Gables, FLHeadquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. Responsible for reviewing closing documents, communicating with clients and identifying portfolio weaknesses and trends and alerting management (Group Manager, Market President, Senior Credit Officer) to deteriorating portfolio conditions .
NewSenior Relationship Manager, Corporate Healthcare First Horizon BankSenior Relationship Manager, Corporate HealthcareBrentwood, TNHeadquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. Responsible for reviewing closing documents, communicating with clients and identifying portfolio weaknesses and trends and alerting management (Group Manager, Market President, Senior Credit Officer) to deteriorating portfolio conditions .
Client Specialist First Horizon BankClient SpecialistBirmingham, ALHeadquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. Work closely with Bankers, Treasury Management, and deposit operations to ensure satisfactory on-going monitoring of depository/Treasury Management accounts/services to clients .
NewCommercial Banking Client Specialist First Horizon BankCommercial Banking Client SpecialistAtlanta, GAHeadquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. Work closely with Bankers, Treasury Management, and deposit operations to ensure satisfactory on-going monitoring of depository/Treasury Management accounts/services to clients .
Consumer Loan Underwriter II BECUConsumer Loan Underwriter IISeattle, WAFull timeWHAT YOU'LL DO: Apply Lending Expertise: You bring a strong understanding of BECU's loan policies, real estate lending practices, and applicable state and federal regulations to make informed decisions on a wide range of consumer loans. Deliver Timely Outcomes: You prioritize efficiency by reviewing applications promptly, clearly communicating decisions, and helping members understand options such as denials, counteroffers, or alternative solutions.
NewPortfolio Banker BMO FinancialPortfolio BankerMinneapolis, MN$74,000–$138,000 / yearAs a funding specialist, facilitates the funding process acting as a final and independent control point for legal documentation and ensures that the security/legal documentation reflects what was approved; all terms and conditions noted in the credit application have been met; proper execution/perfection of all documents prior to funding/releasing funds; assesses significance of any security or conditions shortfalls, credit and fraud risks. Application Deadline: 07/30/2026Address: 50 S 6th StreetJob Family Group: Wealth Sales & ServiceProvides a superior level of customer service and portfolio management in lending services for all existing and potential clients and in support of a team of specialists and relationship managers.
Mortgage Loan Underwriter Coastal Credit UnionMortgage Loan UnderwriterRaleigh, NC15%) Compliance and Regulatory Adherence – ensure loans meet applicable federal, state, and agency regulations including TRID, ATR/QM, Reg B and fair lending. The Mortgage Loan Underwriter is responsible for fully evaluating the mortgage loan application and documentation to determine borrower eligibility based on creditworthiness, income, assets, and property.
Mortgage Loan Underwriter Community First Credit UnionMortgage Loan UnderwriterNeenah, WisconsinRecognize viable loan alternatives when initial requests are not feasible to give members a choice, rather than just a denial. Advise the mortgage team of required and closing conditions; reviews conditions and ensure they have been met.
Mortgage Loan Underwriter DuPont Community Credit UnionMortgage Loan UnderwriterWaynesboro, VAFull timeDuPont Community Credit Union (DCCU) is currently seeking qualified candidates for a Mortgage Underwriter role to join a team of dedicated Mortgage Operations professionals. At DCCU, we go beyond transactions and truly want to help our members achieve financial success by aligning them with the right products and services to help make a difference in their lives.
Senior Mortgage Loan Underwriter New Hampshire HousingSenior Mortgage Loan UnderwriterBedford, New HampshireAt least five years relevant work experience (in residential lending, reviewing credit documentation and underwriting to agency and investor guidelines) or an equivalent combination of education and experience. As the Senior Mortgage Loan Underwriter, you will play a key part in advancing our mission by making thoughtful, responsible lending decisions that open doors for New Hampshire residents.
Mortgage Loan Underwriter Kearny BankMortgage Loan UnderwriterFairfield, NJ$75,000–$105,000 / yearPerform comprehensive analyses of borrower income for all borrower types, including review of complex tax returns and financial statements, completion of required income calculation worksheets, and evaluation of multiple and varied sources of funds. Provide final underwriting approval for mortgage loans including leaseholds, construction loans, non-owner-occupied properties, condominiums, mortgage insurance secured loans, and other higher risk loans.
Mortgage Loan Underwriter Monson Savings BankMortgage Loan UnderwriterWilbraham, MA$33–$38 / hourThe Mortgage Loan Underwriter is responsible for evaluating residential mortgage and consumer loan applications to ensure sound credit decisions and compliance with Bank policies, FNMA/MassHousing guidelines, and regulatory requirements. This role plays a key part in maintaining loan quality, managing pipeline flow, and partnering with internal teams to deliver timely, efficient loan processing.
Senior Mortgage Loan Underwriter TENNESSEE HOUSING DEVELOPMENT AGENCYSenior Mortgage Loan UnderwriterNashville, TNThe successful candidate will review mortgage loan applications submitted by Originating Agents, assessing compliance/conformity with organization regulations and Federal Housing Administration (FHA), Veterans Administration (VA), United States Department of Agriculture/Rural Development (USDA/RD), Federal Home Loan Mortgage Corporation (Freddie Mac), Federal National Mortgage Association (Fannie Mae) and Private Mortgage Insurance (PMI) regulations and determining action to be taken; maintains on-going communication and relationships with lenders, realtors, consumers, etc. Tennessee Housing Development Agency (THDA) is currently seeking a Senior Mortgage Loan Underwriter in our Single Family Loan Operations division, with proven experience in the mortgage lending field.
Mortgage Loan Underwriter Summit Credit UnionMortgage Loan UnderwriterCottage Grove, WIAt Summit, you're not just underwriting loans-you're helping over 250,000 members across Wisconsin build brighter financial futures. At Summit Credit Union, we're looking for a detail-oriented, people-first Mortgage Loan Underwriter to join our growing team.
Sr. Mortgage Loan Underwriter - Construction (WA, ID & OR Only) Boeing Employees Credit UnionSr. Mortgage Loan Underwriter - Construction (WA, ID & OR Only)WA$46.59–$56.92 / hourIn this role, youll use your knowledge of construction lending programs, along with conventional, FHA/VA, and other specialized mortgage programs to make thoughtful, consistent lending decisions that align with investor and agency guidelines while keeping the member experience at the center of every interaction. Support Exceptional Member Service: Assist Loan Processors and Loan Officers with customer service inquiries, helping identify ways to restructure transactions that align with both member and Credit Union needs.
Mortgage Loan Underwriter Consumers Credit UnionMortgage Loan UnderwriterKalamazoo, MIOur ideal candidate has 2-3 years of experience, a thorough knowledge of underwriting process and procedures, experience with Emcompass, and can consistently demonstrate strong logic and reasoning skills. Performs detailed underwriting review of property appraisals in compliance with credit union policy, investor guidelines and regulatory requirements to ensure adequate collateral for the loan.
Senior Mortgage Loan Underwriter San Francisco Federal Credit UnionSenior Mortgage Loan UnderwriterSan Francisco, CAWith an "A" health rating and solid year-over-year growth, San Francisco Federal Credit Union's (SFFedCU) membership is now over 43,000 with assets surpassing $1.3 billion and branches located in San Francisco and San Mateo County. The Senior Mortgage Loan Underwriter position is responsible for underwriting all types of mortgage loans and lines of credit offered by the Credit Union ensuring they are underwritten in compliance with company policies and procedures, agency and investor guidelines, and regulatory requirements.
Mortgage Loan Underwriter - 60426 Coastal Federal Credit UnionMortgage Loan Underwriter - 60426Raleigh, NCAs a key contributor to the Coastal team, your responsibilities will be: (40%) Loan Application Review and Risk Assessment - analyze borrower financials, income, credit history, assets, and property details to assess risk and determine loan eligibility. (15%) Compliance and Regulatory Adherence - ensure loans meet applicable federal, state, and agency regulations including TRID, ATR/QM, Reg B and fair lending.
Mortgage Loan Underwriter Education First FCUMortgage Loan UnderwriterBeaumont, TXFull timeIs responsible for a width of information including but not limited to: the organizations current mortgage loan interest rates, commitment/rate lock/relock fee procedures, consumer loan products/rates/guidelines that are used in conjunction with Mortgage Lending (Execulines, second mortgage products, swing loans, land loans, etc.), any loan origination software system. Responsible to grant or deny loans within limits assigned and to provide the highest quality of service to members by finding ways to maximize the number of service relationships the member has with the organization.
NewMortgage Loan Underwriter Palmetto Citizens Federal Credit UnionMortgage Loan UnderwriterColumbia, South CarolinaIndependently underwrite conventional and government-insured mortgage loans, including FHA, VA, USDA, CRA, and home equity products, ensuring loans are ethical, high quality, salable, and compliant with investor and regulatory requirements. Overview: The Mortgage Loan Underwriter is responsible for independently evaluating, underwriting, and determining the eligibility of residential mortgage loan applications while balancing prudent risk management, regulatory compliance, and exceptional member service.
CRC Underwriter I-III WASHINGTON TRUST BANKCRC Underwriter I-IIISpokane, WAFull timeAs part of a Credit Resource Center (CRC) team, Reviews consumer and small business loan applications in accordance with consumer and small business underwriting guidelines and controls the quality of credit through adherence to same. Attends classes/seminars and read literature to maintain a working knowledge of legal, regulatory and environmental issues relevant to consumer & small business lending.
Senior Commercial Credit Underwriter FIRST FEDERALSenior Commercial Credit UnderwriterSeattle, WA$86,431.49–$146,933.53 / yearFull timeIn coordination with the Relationship Managers prepare the narrative portion of the Credit Memo, Ensure that all loan files presented to Loan Committee have been properly reviewed and prepared and are pre-approved prior to presentation by the Credit Administrator and/or the Chief Credit Officer. Maintain current working knowledge of commercial lending industry, which, may include the following: Independently research and analyze company and industry data, including state, local and federal publications, and newspapers.
Mortgage Underwriter - To 90K - Brookfield, WI - Job 3742 The Symicor GroupMortgage Underwriter - To 90K - Brookfield, WI - Job 3742Brookfield, WI$80,000–$80,000Minimum of three years’ experience of FNMA and FHLMC and underwriting guidelines, as well as conventional investors, state and local bond programs, and private mortgage insurers. Perform a detailed review of appraisals for one-to-four family residential properties to determine the acceptability of security for portfolio loans and loans sold to investors.
Corporate Mortgage Processor III Mountain West BankCorporate Mortgage Processor IIISpokane, WAFull timeGlacier Bancorp, Inc. (GBCI) is a regional bank holding company providing commercial banking services in 80 communities through 129 banking offices in Montana, Idaho, Colorado, Utah, Washington and Wyoming. The Mortgage Loan Processor III processes and prepares for closing retail mortgage loans (conventional & government, construction, purchase & refinance, portfolio ARMs) under various loan programs in accordance with policies and procedures.
Mortgage Advisor - King County BECUMortgage Advisor - King CountyTukwila, WAFull timeYour expertise won't stop at loans-you'll be a go-to resource, mentor, and advocate, helping teammates grow their mortgage knowledge while ensuring members feel informed, confident, and supported from application through funding. As a Mortgage Advisor - Primary Market, you'll deepen trusted relationships with new and existing members, guide them through complex mortgage decisions, and expand BECU's mortgage presence within your assigned community.
Mortgage Underwriter Tomo MortgageMortgage UnderwriterBacked by top-tier venture investors, including Ribbit, Citi Ventures, NFX and Progressive Insurance, Tomo is poised to become one of the most valuable fintech startups of our generation. With offices in Detroit, Seattle and New York City, we are quickly expanding in order to deliver a once-in-a-lifetime experience through a combination of technology and excellent service.
Senior Mortgage Underwriter VyStar Credit UnionSenior Mortgage UnderwriterJacksonville, FloridaIncumbent is expected to demonstrate each of the following VyStar Excellence behaviors and to provide support and feedback to employees assigned to the processing unit to consistently practice and demonstrate VyStar Excellence behaviors in performing the duties and responsibilities of their position. Applicants must have positive, well-developed effective communication skills, both written and verbal, be detail oriented, demonstrate good organizational and reflective listening skills, the ability to work in a fast-paced environment, and proven ability to work with others.
Mortgage Underwriter LRSMortgage UnderwriterMinneapolis, MN$20–$50 / hourStrong knowledge of property and credit underwriting requirements for FNMA, FHLMC, Non-Agency Jumbo, FHA, VA, HELOC/HELOAN, and other residential loan programs. Identify key loan factors impacting borrower eligibility, property eligibility, and credit qualification for complex or atypical financial profiles, collateral types, and loan structures.
Senior Mortgage Underwriter - (Remote) Zions Bancorporation NASenior Mortgage Underwriter - (Remote)The Woodlands, TXRemote$39.56–$58.03 / hourAnalyze income, assets, credit documentation, employment history, credit reports, debt ratios, and loan-to-value (LTV) metrics to determine borrower creditworthiness. Proficiency with mortgage software and related tools, including Encompass 360 (LOS), Desktop Underwriter (DU), and Loan Product Advisor (LPA).
QC Mortgage Underwriter Tata Consultancy Services LtdQC Mortgage UnderwriterCincinnati, OH$65,000–$80,000 / yearAnalyze income & employment, credit strength, property appraisal, check over debt to income (DTI) and Loan to Value (LTV) and all other information pertinent to the credit decision process on each mortgage application, as presented by the applicant. Underwriter to validate that a prospective mortgagor's loan application adheres to the lenders, Investors (Freddie or Fannie Mae's) and guidelines of applicable government agencies to approve the loan.