Senior Underwriter

A&D Mortgage•Fort Lauderdale, FL

21h•Onsite

About The Position

At AD Mortgage, we’ve been helping clients achieve their homeownership dreams for over 20 years — and we couldn’t do it without our team. With more than 400 passionate professionals (and growing!), we’ve built a culture rooted in collaboration, continuous growth, and shared success. Join a company that listens to your voice, invests in your development, and celebrates every win — big or small. Your future starts here. Let’s grow together.

Requirements

Intermediate knowledge in Microsoft Word, Excel and Outlook
Expert knowledge of conventional and/or government loan underwriting and selling guidelines (e.g., Fannie Mae, Freddie Mac, FHA, VA, etc.)
Exceptional customer service
Excellent attention to detail
Ability to communicate effectively with all levels
Ability to positively project the Company and department
Knowledge of FANNIE / FREDDIE is a must

Nice To Haves

Wholesale / Correspondent experience is preferred
Non-QM and VA experience are preferred.

Responsibilities

Reviews all items and conditions provided by borrowers and ensures they meet the required guidelines by utilizing internal and external (e.g., agency) policies and procedures [e.g., automated underwriting systems such as Desktop Underwriter (DU)]
Ensures that Company operating standards are met for underwriting and compliance by utilizing internal and external (e.g., agency) policies and procedures
Reviews applications and all pertinent disclosures to ensure compliance with all Federal, State, and investor requirements are met and upheld
Monitors property appraisal process to ensure the value of a property is accurately presented
Analyzes documentation such as credit, income, assets, and appraisals to make sound underwriting decisions based on this analysis by using an internal checklist
Analyzes loan applications to identify any risk issues and/or potential misrepresentation.
Reviews documentation and ensures documents are properly classified and organized
Makes quality underwriting decisions while maintaining Company turn-time expectations
Reviews and clears conditions on all loans to ensure a complete loan package prior to closing
Utilizes proprietary and online tools [e.g., Lexis/Nexis, Real Quest, Mortgage Electronic Registration System (MERS), AVM’s, etc.] to help combat fraudulent activity and ensure quality loan decisions
Have the ability to rework loans to new terms, and identify additional conditions as needed.
Must be able to provide quick and accurate answers on multiple loan project guidelines
Engages specific strategies (e.g., determines appropriate individuals to resolve escalated customer issues, etc.) to resolve customer questions and concerns
Continually reviews underwriting environment, and suggests improvement opportunities to management
Acts as a recognized subject matter expert within the Company and partners with management on underwriting-related issues by providing analytical support, and counseling advice for their functional areas

Benefits

PTO/Sick Days
Comprehensive medical, dental, vision benefits
Paid volunteer hours
Life Insurance, Short-term Disability, and Long term Disability
Health Savings Account
401k
Paid training and career development
Career Growth: As part of a growing and evolving company, you will have ample opportunities to develop your career, take on new challenges, and make a significant impact.
Work-Life Balance
Inclusive Culture: We are committed to fostering a diverse and inclusive workplace where all employees feel valued and empowered. We celebrate unique perspectives and believe diversity drives innovation.
Cutting-Edge Technology: Access state-of-the-art learning tools and technologies to enhance your own professional development and that of the entire organization.