Digital Risk
1 day ago Be among the first 25 applicants
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 mortgages 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
Hybrid schedule: 2 days from home and 3 days in office.
To qualify for Hybrid, candidates are required to achieve and maintain documented performance metrics
Work from home days is pre-determined by the business
Requirements
Minimum 3+ years current conventional mortgage loan underwriting experience
The position is fully remote, but you must reside in Texas.
Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags
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
Seniority Level Associate
Employment Type Full-time
Job Function Finance
Referrals increase your chances of interviewing at Digital Risk by 2x
#J-18808-Ljbffr
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 mortgages 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
Hybrid schedule: 2 days from home and 3 days in office.
To qualify for Hybrid, candidates are required to achieve and maintain documented performance metrics
Work from home days is pre-determined by the business
Requirements
Minimum 3+ years current conventional mortgage loan underwriting experience
The position is fully remote, but you must reside in Texas.
Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags
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
Seniority Level Associate
Employment Type Full-time
Job Function Finance
Referrals increase your chances of interviewing at Digital Risk by 2x
#J-18808-Ljbffr