VA Senior Underwriter

About the role

We are seeking an experienced and detail-oriented VA Underwriter to join our growing underwriting team. This role is responsible for reviewing and assessing residential mortgage loan applications to ensure compliance with VA guidelines, agency requirements, and company policies. The ideal candidate brings strong expertise in VA loans, sound risk assessment skills, and a commitment to delivering high-quality underwriting decisions in a fast-paced environment.

Key Responsibilities

• Review and underwrite VA mortgage loan files to ensure compliance with VA, investor, and company guidelines
• Analyze borrower credit, income, assets, and collateral to determine loan eligibility
• Calculate and validate income for self-employed and wage-earner borrowers
• Evaluate appraisals and collateral documentation for accuracy and completeness
• Issue clear and concise underwriting decisions, including conditions and loan stipulations
• Communicate effectively with loan officers, processors, and internal partners to resolve file conditions
• Ensure all loans meet compliance, quality control, and regulatory requirements prior to approval
• Maintain accurate and up-to-date underwriting documentation within the LOS
• Maintain established productivity, quality, and turnaround time standards
• Stay current on VA guideline updates and industry changes

Location and Schedule

This is a full-time remote opportunity for candidates located outside of the Troy, MI and Ft. Lauderdale, FL areas. Candidates within a 50-mile radius of either office will be expected to work onsite. Our standard working hours are Monday to Friday, 9:00 AM to 6:00 PM.

Skills & Qualifications

• 3+ years of mortgage underwriting experience with a strong focus on VA loans
• Must hold SAR certification, DE certification is a plus
• In-depth knowledge of VA underwriting guidelines and agency requirements
• Experience reviewing complex income scenarios including self-employed borrowers
• Strong analytical, decision-making, and problem-solving skills
• Excellent attention to detail and organizational skills
• Ability to manage a high volume pipeline in a deadline-driven environment
• Strong communication and collaboration skills
• Proficiency with Encompass or similar loan origination systems

Preferred Qualifications

• Experience with FHA, Conventional, and USDA underwriting
• Prior experience in a fast-paced retail or correspondent lending environment

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).

About AD Mortgage

AD Mortgage is a broker-voted Top 5 U.S. wholesale lender, and recognized as a top Non-QM lender in the U.S. With 20 years in the industry, we offer a full range of loan programs, including DSCR, Bank Statement, FHA, and Conventional loans.