Senior Underwriter

About This Opportunity At AD Mortgage, we’ve been helping clients achieve their homeownership dreams for over 20 years — and we couldn’t do it without our team. With more than 400 passionate professionals (and growing!), we’ve built a culture rooted in collaboration, continuous growth, and shared success. Join a company that listens to your voice, invests in your development, and celebrates every win — big or small. Your future starts here. Let’s grow together. 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. 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 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. 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. #J-18808-Ljbffr