Mortgage Insurance & Loan Delivery Analyst

AD Mortgage LLC; Troy (MI); On-site; USD 60,000 - 120,000; Full time

Benefits offered by this job

PTO

Sick days

Volunteer hours

Medical insurance

Dental insurance

Vision insurance

401(k)

Job summary

AD Mortgage LLC in Troy, MI is seeking a Mortgage Insurance & Loan Delivery Analyst to manage PMI ordering, ULDD submissions, and data integrity across agency delivery. You will partner with underwriting and MI vendors to ensure accurate certificates and timely delivery, while optimizing pipelines and maintaining audit trails.

The role requires 1–3 years in mortgage operations and strong data analytics, with experience in ULDD and major MI vendors.

Qualifications

• 1-3 years in mortgage operations, secondary marketing, loan delivery, or post-closing functions.
• Direct experience with Fannie Mae Loan Delivery and Freddie Mac Selling System preferred, including ULDD familiarity.
• Hands-on MI certificates ordering and validation via major vendor portals or automated LOS integrations is preferred.
• Advanced Excel skills (VLOOKUP, pivot tables, data reconciliation) required or strongly preferred.
• Experience with LOS systems (Encompass, Byte, Empower) is advantageous.
• Strong attention to detail with ability to audit financial data fields for accuracy.
• Clear written and verbal communication for resolving discrepancies with internal teams and investors.

Responsibilities

• Manage MI operations: ordering and tracking MI certificates with approved providers.
• Validate MI certificates against loan docs for accuracy of coverage, premiums, and borrower details.
• Resolve data mismatches or delays with underwriting, processing, and MI vendors.
• Monitor active MI pipeline to ensure certificates are activated and bound before purchase.
• Generate and format ULDD XML data per FNMA/FHLMC requirements.
• Audit LOS and ULDD data for accuracy (LTV/CLTV, scores, LLPA, occupancy, property type).
• Upload pools to FNMA/FHLMC platforms and resolve edits and delivery exceptions.
• Reconcile loans with commitments and agency swap pools for accurate pricing and delivery.
• Support post-closing: resolve purchase condition notices and MI document requests.
• Identify bottlenecks, automate checks, and contribute to SOP updates for loan delivery and MI processing.
• Maintain audit trails for QC reviews and internal/external audits.

Skills

Mortgage ops

ULDD knowledge

MI providers

Excel skills

LOS systems

Detail oriented

Communication

Job description

About This Opportunity

The Mortgage Insurance & Loan Delivery Analyst plays a critical operational role within the Secondary Marketing / Capital Markets team. This position is responsible for the end-to-end management of Private Mortgage Insurance (PMI) ordering and validation, as well as the accurate, timely submission of Uniform Loan Delivery Dataset (ULDD) files to Fannie Mae (FNMA) and Freddie Mac (FHLMC). The ideal candidate possesses exceptional attention to detail, strong data analytics skills, and a deep understanding of agency delivery guidelines and mortgage insurance requirements.

Key Responsibilities

• Mortgage Insurance (MI) Operations
• MI Ordering & Tracking: Submit and manage orders for MI certificates with approved mortgage insurance providers (e.g., Radian, Enact, MGIC, Essent, Arch, National MI) upon loan approval or closing.
• Certificate Validation: Review issued MI certificates against final loan documentation to ensure 100% accuracy in coverage percentage, premium type, borrower details, loan terms, and rate structures.
• Discrepancy Resolution: Partner with underwriting, processing, and MI vendors to resolve data mismatches, coverage discrepancies, or delayed certificates prior to delivery.
• MI Pipeline Management: Monitor and maintain the active MI pipeline to guarantee all required primary and secondary MI certificates are activated and bound before loan purchase or securitization.
• Agency Loan Delivery (ULDD)
• ULDD File Generation & Formatting: Extract, build, and format XML data files in compliance with GSE ULDD Phase 3/4 requirements for Fannie Mae (Loan Delivery) and Freddie Mac (Selling System).
• Data Integrity & Reconciliation: Audit loan data across the Loan Origination System (LOS) and ULDD files to ensure precision in critical data points (e.g., LTV/CLTV, credit scores, LLPA identifiers, occupancy, property type, and MI coverage details).
• GSE Submission & Error Clearance: Upload loan pools to FNMA and FHLMC platforms, actively troubleshooting and resolving critical edits, warnings, and delivery exceptions prior to purchase certification.
• Pool & Commitment Matching: Reconcile loans against mandatory commitments, execution paths, or agency swap pools to ensure accurate pricing, fee structures, and delivery compliance. 3. Cross-Functional Support & Compliance
• Post-Purchase Reconciliations: Work with post-closing and investor clearing teams to resolve purchase condition notices, trailing MI document requests, or agency loan delivery edits.
• Process Optimization: Identify pipeline bottlenecks, automate data checks where possible, and assist in updating standard operating procedures (SOPs) for loan delivery and MI processing.
• Audit Preparation: Maintain complete audit trails and documentation for agency QC reviews and internal/external operational audits.

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, promoting a healthy work-life balance.

Skills & Qualifications

• 1-3 years of experience in mortgage operations, secondary marketing, loan delivery, or post-closing functions.
• Agency Knowledge: Direct experience working with Fannie Mae Loan Delivery and Freddie Mac Selling System, including familiarity with ULDD data specifications is preferred.
• MI Provider Expertise: Hands-on experience ordering and validating certificates via major MI vendor portals or automated LOS integrations is preferred.
• System Skills: Proficiency with Loan Origination Systems (e.g., Encompass, Byte, Empower) and advanced Microsoft Excel skills (e.g., VLOOKUPs, pivot tables, data reconciliation formulas) is preferred
• Detail Orientation: Exceptional analytical skills with a zero-defect mindset when auditing financial data fields.
• Communication: Clear written and verbal communication skills for resolving discrepancies with internal teams, MI representatives, and investor contacts.

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.

AD Mortgage is a broker-voted Top 5 U.S. wholesale lender, and recognized as a top Non-QM lender in the U.S. With 20 years in the industry, we offer a full range of loan programs, including DSCR, Bank Statement, FHA, and Conventional loans.