Underwriter (Jacksonville, FL/Hybrid)

2 weeks ago


Jacksonville, United States Mphasis Limited Full time
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 The position is fully remote but you must reside in Texas.

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: $37.00 - $42.00 per hour

Benefits:
* 401(k)
* Dental insurance
* Health insurance
* Paid time off
* Vision insurance
Schedule:
* Monday to Friday

Application Question(s):
* Please confirm contact information. Email address and phone number.

Education:
* High school or equivalent (Required)

Experience:
* front end conventional: 4 years (Required)

Ability to Commute:
* Jacksonville, FL 32256 (Required)

Work Location: In person
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