Sr. Underwriter

Location: Maitland, Florida


Position Overview:

The Senior Underwriter’s primary responsibilities include reviewing mortgage files submitted to Underwriting. This position requires calculating complex income (1065, 1120s, 1120 and Sch C business 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 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. Candidates must have client service experience and welcomes speaking with clients.

Essential Job Functions:

  • Perform complete and in-depth review of mortgage loan files including; income, assets, credit and collateral
  • Utilize client’s loan operating system to ensure accurate data entry
  • 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 and/or clear ref 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
  • Assist Processors/Loan Officers in understanding underwriting decisions and conditions


  • Minimum 3+ years current conventional mortgage loan underwriting experience
    • Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags
    • 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)
  • 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
  • NMLS-MLO Licensure preferred
  • Candidates must be available to work a schedule including some days up to 8 p.m. and OT/ weekend hours as necessary


Additional Information

Digital Risk is an Equal Employment Opportunity/Affirmative Action Employer and maintains a Drug-Free Workplace.

NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as negotiated to meet the ongoing needs of the organization

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