Underwriting Help Desk / Construction Lending Specialist

Atlantic Coast Mortgage, LLC (“ACM”) is seeking a Underwriting Help Desk / Construction Lending Specialist to join our growing construction lending team. This role plays a key part in supporting the review, analysis, and processing of bridge and construction loan transactions. The ideal candidate will have a solid foundation in residential mortgage underwriting, strong communication skills, exceptional attention to detail, and a desire to learn specialized lending products such as construction and bridge financing.

This is an excellent opportunity for an underwriting professional looking to expand their expertise while working closely with loan officers, builders, and internal teams.

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.
• Assist loan officers and processors with loan eligibility, structuring, and guideline interpretation.
• Perform 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 with Fannie Mae Desktop Underwriter (DU) and Freddie Mac Loan Product Advisor (LPA).
• 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.

ACM promotes an Equal Employment Opportunity (EEO) workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, protected veteran status, or any other status protected by law. If you are disabled and need assistance in the application process, please contact the ACM Human Resources department.