Junior Underwriter

Are you the type of person who wants to understand why a loan gets approved, not just collect documents?

American Mortgage Services is a growing mortgage brokerage seeking a detail-oriented Underwriting Assistant / Mortgage Loan Analyst to support our Loan Officers and Operations Team. This position is ideal for someone who enjoys analyzing income, assets, credit, and loan scenarios while helping move loans efficiently from application to closing.

Unlike a traditional Mortgage Loan Officer Assistant role focused primarily on administrative tasks, this position plays a critical role in evaluating loan files, identifying potential issues early, and helping structure loans for success before they ever reach underwriting.

The ideal candidate understands how mortgage loans work, enjoys solving problems, and takes pride in catching details that others miss.

What We Are Looking For

We're not looking for a document chaser. We're looking for someone who wants to understand the complete mortgage process and can think critically through loan scenarios, anticipate underwriting concerns, and help our team deliver a smoother borrower experience. If you're currently an MLOA or processor and feel capable of contributing at a higher level, we'd love to speak with you.

Benefits

• Competitive compensation

• Paid holidays and time off

• Health benefits available

• Career growth opportunities

• Supportive team environment

• Stable company with strong referral and repeat business

Why Join Us?

At American Mortgage Services, we believe great operations professionals are the backbone of every successful loan. You'll work alongside experienced mortgage professionals who value teamwork, accountability, and continuous growth while helping families achieve homeownership every day.

$70,000 - $80,000

• Manage, track, and prioritize loan underwriting process in order to maintain timely submission to the underwriting team
• Gather and verify documents in loan files, such as credit reports, loan applications, title policies, appraisals, and financial statements are current and accurate
• Analyze all loan applications, disclosures, and documentation for accuracy and regulatory and compliance guidelines
• Remove completed loan conditions according to underwriting and lending guidelines
• Serve as a liaison for the underwriter or underwriting team, and home mortgage loan officer

• Review loan files for completeness, accuracy, and eligibility

• Analyze income, assets, credit reports, and supporting documentation

• Identify potential underwriting concerns and communicate solutions to the team

• Work closely with Loan Officers to ensure loans are structured correctly from the beginning

• Collect and review conditions and supporting documentation

• Communicate directly with borrowers regarding documentation needs

• Monitor loan progress and proactively address issues that may impact closing timelines

• Assist with pre-underwriting and loan scenario analysis

• Maintain accurate updates and notes within the CRM and LOS

• Provide exceptional customer service throughout the loan process

• A working understanding of mortgage lending practices, real estate terminology, and mortgage loan guidelines (FHA, USDA, VA, Conventional, etc.) is an asset
• Superior interpersonal, communications, and customer service skills are needed
• College graduate; 2-year college degree with relevant underwriting experience accepted, but a 4-year degree is preferred
• Analytical data skills, strong attention to detail, and excellent decision-making skills are required

• Previous mortgage experience preferred

• Experience as an MLOA, processor, underwriter, underwriting assistant, loan partner, or mortgage operations professional is highly desirable

• Strong understanding of mortgage guidelines, income calculation, assets, credit, and loan documentation

• Ability to identify potential loan issues before underwriting

• Exceptional attention to detail and organizational skills

• Strong written and verbal communication abilities

• Ability to manage multiple files and deadlines simultaneously

• Self-motivated, dependable, and solutions-oriented

At American Mortgage Services, we believe our people are our greatest asset.

We've built a team of experienced mortgage professionals who genuinely enjoy helping one another succeed. Our culture is collaborative, supportive, and fast-paced, with a strong focus on providing an exceptional experience for both our borrowers and referral partners.

We specialize in helping borrowers that many lenders overlook—from first-time homebuyers and renovation loans to self-employed borrowers and unique financing situations. Because of our broad lender network and industry expertise, our team gets to work on a wide variety of loan scenarios rather than the same cookie-cutter files every day.

If you're looking for a company that recognizes hard work, encourages professional growth, and truly appreciates its team members, you'll fit right in at American Mortgage Services.

We work hard, support one another, celebrate our wins, and have a lot of fun along the way.