Senior Underwriter

A&D MortgageTroy, MI
5d

About The Position

At A&D 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.

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What This Job Offers

Job Type

Full-time

Career Level

Mid Level

Education Level

Associate degree

Number of Employees

251-500 employees

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