Senior Underwriter

Underwriter - QC

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 post-closing loan file review process must include a review of the loan to assess the accuracy and integrity of the information used to support the lending decision, the documentation of any defects identified through the review, and an assessment as to whether or not the loan

complies with the Selling Guide , all related contractual terms and agreements, and is in all respects eligible for delivery to Fannie Mae.

Essential Job Functions :

• Perform complete and in-depth review of mortgage loan files including; income, assets, credit and collateral
• The accuracy and completeness of the loan application;
• The existence and accuracy of the underwriting documents, including reverifications of underwriting documents, and a data integrity review;
• The underwriting decision to confirm it is supported;
• The output from any third-party data analysis tools;
• The data entered into DU, if applicable;
• The appraisal, if applicable;
• The property eligibility;
• The project eligibility, if applicable;
• Compliance with the mortgage insurer s guidelines, and documentation of adequate mortgage insurance coverage;
• The existence and accuracy of legal, transaction documentation (for example, sales contract), and closing documentation; and
• Compliance with all federal, state, and local laws and regulations.
• Ability to identify and / or clear red flag or s
• Issue loan decision and condition file accordingly
• Maintain current knowledge of client and investor requirements
• Must be able to work in a high stress environment while delivering a high-level of customer service
• Ability to work more than 40 hours a week, on an as needed basis

Requirements :

Skills Required

Customer Service, Underwriting, data integrity