Senior Underwriter

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.Key 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)]Knowledge of FANNIE / FREDDIE is a must.Wholesale / Correspondent experience is preferredNon-QM and VA experience are preferred.Ensures that Company operating standards are met for underwriting and compliance by utilizing internal and external (e.g., agency) policies and proceduresReviews applications and all pertinent disclosures to ensure compliance with all Federal, State, and investor requirements are met and upheldMonitors property appraisal process to ensure the value of a property is accurately presentedAnalyzes documentation such as credit, income, assets, and appraisals to make sound underwriting decisions based on this analysis by using an internal checklistAnalyzes loan applications to identify any risk issues and/or potential misrepresentation.Reviews documentation and ensures documents are properly classified and organizedMakes quality underwriting decisions while maintaining Company turn-time expectationsReviews and clears conditions on all loans to ensure a complete loan package prior to closingUtilizes 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 decisionsHave 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 guidelinesEngages specific strategies (e.g., determines appropriate individuals to resolve escalated customer issues, etc.) to resolve customer questions and concernsContinually reviews underwriting environment, and suggests improvement opportunities to managementActs 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 areasIntermediate knowledge in Microsoft Word, Excel and OutlookExpert knowledge of conventional and/or government loan underwriting and selling guidelines (e.g., Fannie Mae, Freddie Mac, FHA, VA, etc.)Exceptional customer serviceExcellent attention to detailAbility to communicate effectively with all levelsAbility to positively project the Company and departmentWe offer:PTO/Sick DaysComprehensive medical, dental, vision benefitsPaid volunteer hoursLife Insurance, Short-term Disability, and Long term DisabilityHealth Savings Account401kPaid training and career developmentCareer 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 BalanceInclusive 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.We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sexual orientation, age, marital status, veteran status, or disability status.