Job Description

Job Description

Job Description

Overview

Now Hiring!: Mortgage Underwriter
Full-time, 100% Remote
Corporate Headquarters Location: Miami Lakes, FL

Compensation: Based on Qualifications

Benefits & Perks:

• 401k
• Health, Dental, and Vision Insurance
• Company-provided short-term disability insurance
• Employee Assistance Program
• Wellness Program

American Bancshares Mortgage is seeking a diligent and motivated Mortgage Underwriter to join the team. The ideal candidate will possess excellent phone and communication skills and a value of providing superior customer service to internal and external customers. The Underwriter is responsible for validating income, asset and collateral documents including self-employed tax returns and Condominium documents. The Mortgage Underwriter may be involved in one or several types of mortgage lending to include Conventional, Non-QM, FHA, VA, USDA, etc.

Job Duties:

• Reviews and analyzes individual residential mortgage loan requests to determine approval or denial.
• Reviews financial statements, credit reports, ratios (i.e. Debt ratios, loan-to-value), appraisals, title reports and other relevant file documentation.
• Validates income and employment information, and value of a borrower's collateral and assets.
• Reviews submitted files to qualify for Fannie Mae, Freddie Mac, FHA, VA, and USDA (Rural Development) guidelines as per automated findings.
• Reviews and evaluates information on mortgage loan documents to determine if conditions meet established investor standards.
• Ensures that the property specifications and loan terms meet financial institution requirements and government regulations.
• Ensures compliance with industry standards, state and federal laws and disclosure requirements.
• Communicates loan decisions to internal lenders, coordinators and/or processors.
• Documents the reasons for approval or denial of the loan in the loan file.
• Underwriter will work remotely and may be required to work from the office based on company needs. Advance notice will be provided should this be the case.
• Performs other related duties as assigned.

Minimum Qualifications:

• Bachelor's degree or equivalent combination of education and experience.
• 5+ years of retail residential recent Mortgage Underwriting Experience (FHA, VA, USDA and Conventional) with strong agency guideline knowledge.
• Strong working knowledge of USDA.
• DE, SAR, and LAPP certifications are a plus.
• Strong working knowledge of ATR/QM Requirements.
• Encompass LOS experience.
• Ability to work in a fast paced, fluid environment and be held to minimum production standards.
• High integrity and outstanding work ethic required.
• Strong computer skills; proficient in Microsoft Word, Excel and Outlook.
• Knowledge of compliance and disclosure requirements.
• Knowledge of closing, post-closing & quality control responsibilities.
• Preference will go to applicants residing and working EST business hours.

Who We Are:

For more than 25 years, we have assisted our communities, empowered our partners, and expanded our company footprint across the nation. We are a full-service mortgage lender, created by industry experts who understand the ever-changing mortgage financing industry. Unlike a bank, we only focus on mortgage products. With years of combined experience our loan specialists are wise, patient, and eager to assist our clients. It is our unique company culture, expertly trained staff and years of industry experience that sets us apart from the rest. Having an intricate knowledge of our industry we take pride in the ability to offer our clients professional and ethical advice they seek, and most importantly the dedication to helping them find the best financing options. Servicing our community is driven by our core values of commitment, integrity, and transparency. Our in-depth knowledge is what enables us to efficiently adapt to industry change, while consistently providing our clients with a best-in-class customer service and a tailored mortgage experience.

This list of functions, duties, responsibilities, and skills is not intended to be all-inclusive, and the employer reserves the right to assign additional duties and responsibilities as necessary.

American Bancshares Mortgage participates in the federal government’s E-Verify program, which confirms employment authorization of all newly hired employees and most existing employees through an electronic database maintained by the Social Security Administration and Department of Homeland Security. For all new hires, the E-Verify process is completed in conjunction with the Form I-9 Employment Eligibility Verification on or before the first day of work. E-Verify is not used as a tool to pre-screen candidates. For up-to-date information on E-Verify, go to and click on 'E-Verify' located near the bottom of the page.

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