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.
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.
Competitive compensation
Paid holidays and time off
Health benefits available
Career growth opportunities
Supportive team environment
Stable company with strong referral and repeat business
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.
Compensation:
$70,000 - $80,000
Responsibilities:-
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
Qualifications:-
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
About Company
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.
