Digital Risk
Mortgage Underwriter
Digital Risk, Jacksonville, Florida, United States, 32290
*Training will be 100% in-office. Once training is complete, authority is received, and 30-day green scorecards are completed then the position will be 3 days in-office on a weekly basis*Digital Risks mission to
Make Mortgages Safe
relies on the perfect blending of human experience and state-of-the-art technology to serve its workforce and clients.Digital Risks 1,500+ team members make us one of the largest mortgage outsource providers in the U.S., supplying appraisal and mortgage processing, underwriting and closing to the largest banks and loan originators.Position Overview:The Underwriters primary responsibilities include reviewing mortgage files submitted to Underwriting. This position requires calculating income, analyzing debt and assets, as well as completing an in-depth review of the completed appraisal and title. Additional responsibilities include entering data into the clients loan operating system, utilizing an automated underwriting system to determine approval and clearing conditions for Final Approval. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills.Essential Job Functions:Underwrite loans in accordance with guidelines; utilizing AUS or manual underwritesUtilize clients loan operating systemEvaluate and ensure overall loan documents are accurate, complete, and compliantAbility to identify and/or clear red flag or alertsIssue loan decision and condition file accordinglyReview and approve conditions for compliance and completion of loan fileAbility to interpret and apply client overlays and investor guideline requirementsResolve pre and post-closing issues as they relate to underwritingAssist Processors/Loan Officers in understanding underwriting decisions and conditionsRequirements:Minimum 3+ years
current
conventional mortgage loan underwriting experienceo Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flagso Basic knowledge of appraisal and ineligible propertiesThorough working knowledge of GSE underwriting guidelines, manual and automated underwriting engines (DU/LP)Strong analytic, interpersonal, and verbal and written communication skillsDetail-oriented with strong ability to time manageAbility to work in a flexible and production-oriented environmentMust be willing and able to work as part of a teamStrong capability to work in multiple systems - paperless environment
Make Mortgages Safe
relies on the perfect blending of human experience and state-of-the-art technology to serve its workforce and clients.Digital Risks 1,500+ team members make us one of the largest mortgage outsource providers in the U.S., supplying appraisal and mortgage processing, underwriting and closing to the largest banks and loan originators.Position Overview:The Underwriters primary responsibilities include reviewing mortgage files submitted to Underwriting. This position requires calculating income, analyzing debt and assets, as well as completing an in-depth review of the completed appraisal and title. Additional responsibilities include entering data into the clients loan operating system, utilizing an automated underwriting system to determine approval and clearing conditions for Final Approval. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills.Essential Job Functions:Underwrite loans in accordance with guidelines; utilizing AUS or manual underwritesUtilize clients loan operating systemEvaluate and ensure overall loan documents are accurate, complete, and compliantAbility to identify and/or clear red flag or alertsIssue loan decision and condition file accordinglyReview and approve conditions for compliance and completion of loan fileAbility to interpret and apply client overlays and investor guideline requirementsResolve pre and post-closing issues as they relate to underwritingAssist Processors/Loan Officers in understanding underwriting decisions and conditionsRequirements:Minimum 3+ years
current
conventional mortgage loan underwriting experienceo Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flagso Basic knowledge of appraisal and ineligible propertiesThorough working knowledge of GSE underwriting guidelines, manual and automated underwriting engines (DU/LP)Strong analytic, interpersonal, and verbal and written communication skillsDetail-oriented with strong ability to time manageAbility to work in a flexible and production-oriented environmentMust be willing and able to work as part of a teamStrong capability to work in multiple systems - paperless environment