Underwriter
A&D Mortgage LLC - fort lauderdale, FL
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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 proceduresEnsures Company operating standards are met for underwriting and complianceReview 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 checklistAnalyze loan applications to identify any risk issues andor potential misrepresentation.Review documentation and ensure 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., LexisNexis, Real Quest, Mortgage Electronic Registration System (MERS), AVMs, 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 areasPerforms 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 RequiredKnowledge of FANNIE FREDDIE is a must.Wholesale Correspondent experience is preferredNon-QM and VA experience are preferred.Minimum Knowledge, Skills, and Abilities:Intermediate knowledge of Microsoft Word, Excel, Outlook, and Internet ExplorerExpert knowledge of conventional andor government loan underwriting and selling guidelines (e.g., Fannie Mae, Freddie Mac, FHA, VA, etc.)Exceptional customer serviceAbility to communicate effectively with all levels
Created: 2024-10-18