HOI (Homeowners Insurance) Review Specialist

HOI (Homeowners Insurance) Review Specialist

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 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 services to the largest banks and loan originators.

Position Overview:

The HOI (Homeowners Insurance) Review Specialist is responsible for reviewing and validating homeowners insurance documents to ensure compliance with lender and investor requirements. This role requires attention to detail, strong analytical skills, and the ability to communicate effectively with internal teams and external insurance providers. The specialist will ensure that all insurance documentation is accurate, complete, and meets the necessary guidelines for loan processing and closing.

Essential Job Functions:

• - Review homeowners insurance policies HO6, HO3, Wind Insurance for accuracy and compliance with lender requirements.
• - Verify coverage amounts, effective dates, deductibles, and mortgagee clauses.
• - Ensure insurance documents meet investor and regulatory guidelines.
• - Communicate with insurance agents and borrowers to obtain missing or corrected documentation.
• - Update loan origination systems with accurate insurance information.
• - Collaborate with processing, underwriting, and closing teams to resolve insurance-related issues.
• - Track and follow up on expiring or insufficient insurance policies.
• - Maintain documentation and audit trails for all insurance reviews.
• - Provide excellent customer service to internal and external stakeholders.
• - Stay current on industry standards and changes in insurance requirements.

Requirements:

• - 2–4 years of experience in mortgage or insurance services, preferably in homeowners insurance review.
• - Strong knowledge of homeowners insurance policies and mortgage requirements.
• - Excellent attention to detail and organizational skills.
• - Effective written and verbal communication skills.
• - Ability to manage multiple tasks in a fast-paced, deadline-driven environment.
• - Proficiency in Microsoft Office and loan origination systems.
• - Strong analytical and problem-solving abilities.
• - Commitment to maintaining compliance and data integrity.
• - Availability to work U.S. business hours.