Underwriter

As an Underwriter at Digital Risks, your primary responsibility will involve reviewing mortgage files submitted for Underwriting. This role requires you to meticulously calculate income, analyze debt and assets, and conduct a thorough evaluation of the completed appraisal and title. Moreover, you will be tasked with entering data into the client's loan operating system, utilizing automated underwriting systems to determine approval, and clearing conditions for Final Approval. It is imperative that you possess a strong sense of urgency, excel in a team environment, and maintain exceptional organizational, communication, and PC skills. Your essential job functions will include performing comprehensive reviews of mortgage loan files encompassing income, assets, credit, and collateral. Utilizing the client's loan operating system accurately and adhering to client guidelines for underwriting, whether through automated underwriting systems or manual processes. You will evaluate loan documents for accuracy, completeness, and compliance, identify and address red flags, issue loan decisions, and ensure file conditions are met. Providing outstanding customer service to both internal and external clients, staying updated on client and investor requirements, resolving underwriting-related issues, and supporting Processors/Loan Officers in interpreting underwriting decisions and conditions will also be part of your responsibilities. To excel in this role, you must have a minimum of 2+ years of current conventional mortgage loan underwriting experience. A strong understanding of income calculations, tax returns, credit report analysis, and red flag identification is essential. Basic knowledge of appraisals and the ability to spot ineligible properties and red flags is required. Proficiency in GSE underwriting guidelines, automated underwriting engines (DU/LP), and strong analytical, interpersonal, verbal, and written communication skills are also necessary. Being detail-oriented, adept at time management, flexible, and able to work efficiently in a production-oriented environment is crucial. Moreover, you should be comfortable working in a paperless environment, possess the willingness to work in a strict security setting, and ideally hold an NMLS-MLO Licensure. Availability to work beyond normal business hours when required is a must for this role.,