Government Senior Underwriter

Company: A&D Mortgage
Location: Birmingham
Posted on: April 2, 2026

Job Description:

Description 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 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). Join Us: Click on the following links to explore our social media to get a sense of our rich corporate culture: YouTube Instagram TikTok 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.

Keywords: A&D Mortgage, Saginaw , Government Senior Underwriter, Accounting, Auditing , Birmingham, Michigan