This is a 100% in office position.

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, 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 client’s 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

· NMLS-MLO Licensure preferred but not required

Job Type: Full-time

Salary: From $36.00 per hour

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Schedule:

• Monday to Friday

Application Question(s):

• Please provide your contact information. Email address and phone number.

Education:

• High school or equivalent (Required)

Experience:

• mortgage underwriting: 3 years (Required)

Ability to Commute:

• Maitland, FL 32751 (Preferred)

Work Location: In person