VA Senior Underwriter
AD Mortgage•Troy, MI
•Remote
About The Position
We are seeking an experienced and detail-oriented VA Underwriter to join our growing underwriting team. This role is responsible for reviewing and assessing residential mortgage loan applications to ensure compliance with VA guidelines, agency requirements, and company policies. The ideal candidate brings strong expertise in VA loans, sound risk assessment skills, and a commitment to delivering high-quality underwriting decisions in a fast-paced environment.
Requirements
- 3+ years of mortgage underwriting experience with a strong focus on VA loans
- Must hold SAR certification, DE certification is a plus
- In-depth knowledge of VA underwriting guidelines and agency requirements
- Experience reviewing complex income scenarios including self-employed borrowers
- Strong analytical, decision-making, and problem-solving skills
- Excellent attention to detail and organizational skills
- Ability to manage a high volume pipeline in a deadline-driven environment
- Strong communication and collaboration skills
- Proficiency with Encompass or similar loan origination systems
Nice To Haves
- Experience with FHA, Conventional, and USDA underwriting
- Prior experience in a fast-paced retail or correspondent lending environment
Responsibilities
- Review and underwrite VA mortgage loan files to ensure compliance with VA, investor, and company guidelines
- Analyze borrower credit, income, assets, and collateral to determine loan eligibility
- Calculate and validate income for self-employed and wage-earner borrowers
- Evaluate appraisals and collateral documentation for accuracy and completeness
- Issue clear and concise underwriting decisions, including conditions and loan stipulations
- Communicate effectively with loan officers, processors, and internal partners to resolve file conditions
- Ensure all loans meet compliance, quality control, and regulatory requirements prior to approval
- Maintain accurate and up-to-date underwriting documentation within the LOS
- Meet established productivity, quality, and turnaround time standards
- Stay current on VA guideline updates and industry changes
Benefits
- PTO
- sick days
- paid volunteer hours
- medical, dental, vision insurance
- 401(k)
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
Upload and Match Resume
What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
