Underwriter

A&D Mortgage

• Financial Holding Company successfully providing residential and commercial loans for more than 20 years, based in Florida. We represent our A+++ service in states but are striving to obtain licenses in every State of the US and to become a Nationwide Mortgage Lender.

Our employees are our most valuable resource and their knowledge and expertise play an important role in achieving our Client’s goals. We are 200+ employees, and it’s just a beginning!

Duties & 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
• Ensures Company operating standards are met for underwriting and compliance
• Review 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
• Analyze loan applications to identify any risk issues and/or potential misrepresentation.
• Review documentation and ensure 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), AVMs, 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
• Performs other duties as assigned.

Knowledge and Skills:

• Excellent verbal and written communication skills.
• Excellent interpersonal and customer service skills.
• Excellent organizational skills and attention to detail.
• Strong analytical and problem-solving skills.
• Strong supervisory and leadership skills.
• Ability to create, implement, and monitor budgets.
• Thorough understanding of principles and methods used to promote, display, and sell products and services.
• Proficient with Microsoft Office Suite or related software.

Education and Experience Required

• Knowledge of FANNIE / FREDDIE is a must.
• Wholesale / Correspondent experience is preferred
• Non-QM and VA experience are preferred.
• Minimum Knowledge, Skills, and Abilities:
• Intermediate knowledge of Microsoft Word, Excel, Outlook, and Internet Explorer
• Expert knowledge of conventional and/or government loan underwriting and selling guidelines (e.g., Fannie Mae, Freddie Mac, FHA, VA, etc.)
• Exceptional customer service
• Ability to communicate effectively with all levels