Mortgage Underwriter

American Bancshares Mortgage, LLC, established in 1995, is a nationwide Mortgage Banking firm specializing in residential lending through Retail, Wholesale, and Direct-to-Consumer channels. As a Fannie Mae Seller/Servicer, FHA Direct Endorsed, VA Automatic, and USDA-approved lender, we are committed to delivering exceptional customer service while maintaining the highest standards of compliance and operational excellence. We are seeking an experienced, high-performing Mortgage Underwriter who thrives in a fast-paced environment and can make sound credit decisions with speed, confidence, and accuracy. Position Overview This is a full-time position with the flexibility to work on-site in our Miami Lakes, FL corporate office or remotely for the right candidate. The ideal candidate must have strong, current mortgage underwriting experience and be highly proficient in evaluating residential mortgage loan files in accordance with agency, government, investor, and company guidelines.

FHA, VA, Conventional (Fannie Mae/Freddie Mac), Condo, USDA, and Non-QM loans Analyze credit, income, assets, collateral, and overall loan risk Review income documentation, tax returns, business returns, bank statements, appraisals, and complex borrower scenarios, condo docs Issue clear, detailed underwriting decisions and conditions Ensure loans comply with investor guidelines, regulatory requirements, and company overlays Collaborate effectively with loan processors, closers, and loan officers to move loans efficiently to closing Maintain high levels of accuracy, productivity, and turnaround times

Minimum 3+ years of current residential mortgage underwriting experience ✔ Currently working in the mortgage industry ✔ Strong underwriting experience with FHA, VA, Conventional, Fannie Mae, Freddie Mac, Condo, and Non-QM loans ✔ Deep understanding of agency guidelines, AUS findings (DU/LP), mortgage regulations, and compliance requirements ✔ Strong ability to analyze credit reports, income documentation, tax returns, self-employed borrowers, bank statements, and appraisals ✔ Excellent risk assessment and decision-making skills ✔ Ability to manage deadlines and a high-volume pipeline while maintaining exceptional quality and service