Underwriter

Company: Mphasis
Location: Jacksonville
Posted on: September 1, 2024

Job Description:

_*This is a 100% in office position*_.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 Risks 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 Underwriters 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 clients 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 clients 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 experienceo Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flagso 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 requiredJob Type: Full-timePay: From $36.00 per hourBenefits:* 401(k)* Dental insurance* Health insurance* Life insurance* Paid time off* Vision insuranceSchedule:* Monday to FridayApplication Question(s):* Please provide your contact information. Email address and phone number.Education:* High school or equivalent (Required)Experience:* front end mortgage underwriting: 4 years (Required)Ability to Commute:* Jacksonville, FL 32256 (Preferred)Ability to Relocate:* Jacksonville, FL 32256: Relocate before starting work (Required)Work Location: In personby Jobble

Keywords: Mphasis, Jacksonville , Underwriter, Other , Jacksonville, Florida