Underwriter

Description

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 have 200 employees, and it’s just the beginning!

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 preferred
• Non-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 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

Qualifications

• 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

Benefits:

• Corporate training and development opportunities;

• Comprehensive salary and benefits package;

• Great Corporate events;

• Career growth and advancement opportunities;

• Health benefits;

• 401(k) Plan;

• HSA.

Equal Opportunity Employer

At A&D Mortgage, we value diversity and are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, sexual orientation, age, marital status, veteran status, or disability status.

Reasonable Accommodation

If you require reasonable accommodations to participate in the job application or interview process, perform crucial job functions, or receive other benefits and privileges of employment due to a disability, please contact us to request accommodation.

If you meet the qualifications for this Head of Recruitment position and are interested in joining our team, please apply through our website or send your resume and cover letter to our HR department. Thank you for considering A&D Mortgage as your potential employer, and we look forward to hearing from you.