MORTGAGE UNDERWRITER

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 underwrites

Utilize clients loan operating system

Evaluate and ensure overall loan documents are accurate, complete, and compliant

Ability to identify and / or clear red flag or alerts

Issue loan decision and condition file accordingly

Review and approve conditions for compliance and completion of loan file

Ability to interpret and apply client overlays and investor guideline requirements

Resolve pre and post-closing issues as they relate to underwriting

Assist Processors / Loan Officers in understanding underwriting decisions and conditions

Requirements :

Minimum 3+ years current conventional mortgage loan underwriting experience

o Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags

o Basic knowledge of appraisal and ineligible properties

Thorough working knowledge of GSE underwriting guidelines, manual and automated underwriting engines (DU / LP)

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 willing and able to work as part of a team

Strong capability to work in multiple systems - paperless environment