Underwriting Help Desk

Job Responsibilities

• Act as the main point of contact for ACM’s bridge and construction loan products
• Respond to scenario questions and review loan applications to ensure proper guideline alignment and structure
• Research and respond to guideline inquiries, providing accurate and timely underwriting support
• Aid loan officers and processors with loan eligibility, structuring, and guideline interpretation
• Assist with due diligence reviews of builders and construction-related documentation; clear underwriting conditions prior to closing and coordinate directly with builders as needed
• Prepare construction files for loan modification to perm once construction is complete
• Review and analyze complex income documentation, including personal and business tax returns, and perform calculations for qualifying income

Qualifications

• Minimum of 2 years of mortgage underwriting or junior underwriting experience
• Working knowledge of residential mortgage underwriting guidelines, documentation standards, and risk principles
• Experience working with Encompass, Fannie Mae Desktop Underwriter and Freddie Mac Loan Product Advisor
• Strong verbal and written communication skills with ability to interact professionally with loan officers, borrowers, builders, and internal teams
• Exceptional attention to detail and strong organizational skills
• Ability to manage multiple priorities and meet deadlines in a fast-paced environment
• Experience with construction, bridge, or specialty lending products preferred but not required; training provided
• Knowledge of applicable federal and state mortgage lending regulations
• Experience reviewing income, assets, credit, and collateral documentation
• Demonstrated ability to quickly learn new products, systems, and guidelines

Pay

(Not specified)

Schedule

(Not specified)

Benefits

(Not specified)