Underwriter

1 month ago

fort lauderdale, United States A&D Mortgage LLC Full time

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

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