Mortgage Underwriter

American Bancshares Mortgage, LLC; Town of Florida (NY); Hybrid; USD 70,000 - 90,000; Full time

Job summary

American Bancshares Mortgage, LLC is seeking an experienced Mortgage Underwriter to join their team in Florida. This role involves evaluating residential mortgage loan applications and ensuring compliance with industry guidelines. The ideal candidate will possess a minimum of 3 years of experience in underwriting and be proficient in FHA, VA, and Conventional loans. This position offers flexibility to work either on-site in Miami Lakes, FL, or remotely for suitable candidates. Strong decision-making skills and attention to detail are essential.

Qualifications

• Minimum 3+ years of current residential mortgage underwriting experience.
• Strong ability to analyze credit reports, income documentation, and appraisals.
• Experience with FHA, VA, Conventional, and Non-QM loans.

Responsibilities

• Underwrite and evaluate residential mortgage loan applications.
• Analyze credit, income, and overall loan risk.
• Issue clear, detailed underwriting decisions.

Skills

Current residential mortgage underwriting experience

FHA underwriting experience

Credit analysis

Decision-making skills

Fannie Mae/Freddie Mac guidelines knowledge

Education

DE Certification

Tools

Encompass LOS

Job description

Overview

American Bancshares Mortgage, LLC, established in 1995, is a nationwide Mortgage Banking firm specializing in residential lending through Retail, Wholesale, and Direct-to-Consumer channels. As a Fannie Mae Seller/Servicer, FHA Direct Endorsed, VA Automatic, and USDA-approved lender, we are committed to delivering exceptional customer service while maintaining the highest standards of compliance and operational excellence.

We are seeking an experienced, high-performing Mortgage Underwriter who thrives in a fast-paced environment and can make sound credit decisions with speed, confidence, and accuracy.

This is a full-time position with the flexibility to work on-site in our Miami Lakes, FL corporate office or remotely for the right candidate.

Position Overview

We are seeking an experienced, high-performing Mortgage Underwriter who thrives in a fast-paced environment and can make sound credit decisions with speed, confidence, and accuracy.

The ideal candidate must have strong, current mortgage underwriting experience and be highly proficient in evaluating residential mortgage loan files in accordance with agency, government, investor, and company guidelines.

Key Responsibilities

• Underwrite and evaluate residential mortgage loan applications for FHA, VA, Conventional (Fannie Mae/Freddie Mac), Condo, USDA, and Non-QM loans
• Analyze credit, income, assets, collateral, and overall loan risk
• Review income documentation, tax returns, business returns, bank statements, appraisals, and complex borrower scenarios, condo docs
• Issue clear, detailed underwriting decisions and conditions
• Ensure loans comply with investor guidelines, regulatory requirements, and company overlays
• Collaborate effectively with loan processors, closers, and loan officers to move loans efficiently to closing
• Maintain high levels of accuracy, productivity, and turnaround times

Qualifications & Requirements

Must-Haves:

• Minimum 3+ years of current residential mortgage underwriting experience
• Currently working in the mortgage industry
• Strong underwriting experience with FHA, VA, Conventional, Fannie Mae, Freddie Mac, Condo, and Non-QM loans
• Deep understanding of agency guidelines, AUS findings (DU/LP), mortgage regulations, and compliance requirements
• Strong ability to analyze credit reports, income documentation, tax returns, self-employed borrowers, bank statements, and appraisals
• Excellent risk assessment and decision-making skills
• Ability to manage deadlines and a high-volume pipeline while maintaining exceptional quality and service

Required:

• DE Certification
• Experience with Encompass LOS

Who You Are

You are detail-oriented, decisive, solutions-driven, and accountable. You know how to balance speed with quality, communicate effectively with operations and sales teams, and confidently make sound underwriting decisions that help loans get to the finish line.