Government Senior Underwriter

AD Mortgage LLC; Troy (MI); On-site; USD 60,000 - 80,000; Full time

Benefits offered by this job

Comprehensive benefits package

Paid volunteer hours

Defined paid training

Job summary

A nationwide mortgage lender is seeking an Underwriter for their Troy, MI office. The ideal candidate will have extensive knowledge of loan underwriting guidelines and provide exceptional customer service. Key responsibilities include reviewing loan applications, analyzing documentation, and ensuring compliance with standards. This full-time position offers a supportive company culture, clear pathways for career development, and a comprehensive benefits package including PTO and health insurance.

Qualifications

• Intermediate knowledge in Microsoft Word, Excel, Outlook, DocMagic, and Adobe.
• Expert knowledge of conventional and government loan underwriting guidelines.
• Exceptional customer service and communication skills are essential.

Responsibilities

• Review loan applications and ensure compliance with guidelines.
• Analyze documentation such as credit, income, and assets.
• Make decisions on underwriting to meet company standards.
• Utilize proprietary tools to ensure quality loan decisions.

Skills

Microsoft Word

Microsoft Excel

Outlook

DocMagic

Adobe

Customer Service

Attention to Detail

Communication Skills

Job description

About This Opportunity

AD Mortgage is a leading nationwide mortgage lender with over 20 years of experience delivering residential and commercial loan solutions. With a team of 500+ professionals across the U.S., we proudly provide A+++ service in more than 45 states. Our success is driven by innovation, collaboration, and a commitment to excellence.

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 FHA, VA, and USDA guidelines is a must, including thorough knowledge of the 4000.1 HUD Handbook and VA Lender’s Handbook.
• Direct Endorsement (DE) is a must, and LAPP/SAR certifications are preferred.
• Knowledge of Ginnie Mae, Fannie Mae, and Freddie Mac is a must.
• Wholesale / Correspondent experience is preferred.
• Non-QM experience is 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.
• Analyze 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. WebLGY, FHA Connection, 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.

Location and Schedule

• This is a full‑time, office‑based position in a modern, cozy environment in our Troy, MI office.
• Our standard working hours are Monday to Friday, 9:00 AM to 6:00 PM.

Skills & Qualifications

• Intermediate knowledge in Microsoft Word, Excel, Outlook, DocMagic, and Adobe.
• Expert knowledge of conventional and government loan underwriting and selling guidelines (e.g. Ginnie Mae, 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.

What We Offer | Career and Culture

• Company Culture: Inclusive, supportive company culture where you are not a number, but a voice that's heard and brings value.
• Growth Path: Defined paid training and clear pathways for career development.
• Benefits: Comprehensive benefits package including PTO, sick days, paid volunteer hours, medical, dental, vision insurance, and 401(k).

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.

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform crucial job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.