Job Description
Digital Risk’s 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 Risk’s 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 Underwriter’s 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 client’s loan operating system and or Digital Risks proprietary system. 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:*
· Perform complete and in-depth review of mortgage loan files including; income, assets, credit and collateral
· Underwrite loans in accordance with client guidelines; utilizing AUS or manual guidelines
· Evaluate and ensure overall loan documents are accurate, complete, and compliant
· Ability to identify red flag or alerts
· Issue loan decision and condition file accordingly
· Review and approve conditions for compliance and completion of loan file
· Provide excellent customer service to internal and external clients
· Maintain current knowledge of client and investor requirements
· Resolve pre and post-closing issues as they relate to underwriting
*Requirements:*
o Minimum 3+ years *current *conventional mortgage loan underwriting experience
o Training will be in-office. Post training, position will be hybrid (3 days in office weekly).
o Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags
o Basic knowledge of appraisal and ability to recognize red flags and ineligible properties
· Thorough working knowledge of Fannie Mae and Freddie Mac underwriting guidelines and automated underwriting engines (DU/LP)
· Ability to calculate self-employed income across numerous income streams to include 1065, 1120 and K1 returns.
· Strong analytic, interpersonal, and verbal and written communication skills
· Detail-oriented with strong ability to time manage
· Ability to work in a flexible and production-oriented environment
· Must be able to work in a high stress environment while delivering a high-level of customer service
· Must be willing and able to work as part of a team
· Strong capability to work in multiple systems - paperless environment
· Must be willing to work in strict security environment
· Candidates must be available to work outside of normal business hours when necessary
Job Type: Full-time
Pay: Up to $37.00 per hour
Benefits:
* 401(k)
* Dental insurance
* Health insurance
* Paid time off
* Vision insurance
Schedule:
* Monday to Friday
Ability to Commute:
* Maitland, FL 32751 (Required)
Work Location: Hybrid remote in Maitland, FL 32751
Job Tags
Hourly pay, Full time, Self employment, Remote job, Flexible hours, Monday to Friday,