Sr. Underwriter

D.R. Horton • Austin, TX

2d

About The Position

D.R. Horton, Inc. is hiring a Sr. Underwriter to underwrite Conventional, FHA, and VA loans. The role is responsible for assigned loan types and uses a Loan Origination System or Encompass. The underwriter prioritizes rush requests, Collateral Underwriter conditions, and newly submitted loans to meet turnaround requirements, with a minimum of six touches per day when volume is present. The position maintains full delegation with FHA Direct Endorsement and VA Automatic with LAPP approval, reviews bond loans and Mortgage Credit Certificate (MCC) loans, and reviews assigned appraisals, including FHA Conditional Commitments and VA NOVs when applicable.

The underwriter communicates with branches before suspending or rejecting a loan; rejected loans are submitted to underwriting center management for an in-depth second review. Frequent contact with processors, Mortgage Loan Originators, and Branch Managers is expected. The role requires professional and ethical conduct and the ability to travel overnight.

Requirements

• High school diploma or GED.
• Must have been an Underwriter with DHI Mortgage for at least 10 years.
• Must have held a DE for at least 5 years.
• Must have held a SAR for at least 5 years.
• Ability to obtain a valid, current Mortgage Loan Originator License if required by state regulations.
• Strong written and verbal communication skills.
• Excellent organizational skills and ability to meet deadlines.
• Ability to accurately and efficiently process and record a large volume of data.
• Ability to apply common-sense understanding to carry out instructions furnished in written or oral form or through DRH applications.
• Proficiency with MS Office and email.
• Ability to sit for most of an 8-hour workday; use hands to finger, handle, or feel; reach with hands and arms; and talk and hear.
• Close and peripheral vision abilities.
• Ability to travel overnight.

Nice To Haves

• Bachelor's degree from a four-year college or university.

Responsibilities

• Underwrite assigned loan types, including Conventional, FHA, and VA loans, using the Loan Origination System or Encompass.
• Prioritize rush requests, Collateral Underwriter conditions, and newly submitted loans to meet turnaround times, with at least six touches per day when volume is present.
• Maintain full delegation with FHA Direct Endorsement and VA Automatic with LAPP approval.
• Review and make decisions on bond loans and loans with a Mortgage Credit Certificate (MCC), applying the relevant guidelines.
• Communicate with the branch before suspending or rejecting a loan; submit rejected loans to underwriting center management for an in-depth second review.
• Review assigned appraisals, including completing FHA Conditional Commitments and VA NOVs when applicable.
• Maintain frequent contact with Processors, Mortgage Loan Originators, and Branch Managers.
• Conduct business professionally and ethically to serve customers and support company goodwill and profitability.
• Travel overnight as needed.

Benefits

• Medical, dental, and vision coverage.
• 401(k).
• Employee Stock Purchase Plan.
• Flexible spending accounts.
• Life and disability insurance.
• Vacation, sick, and personal time, plus company holidays.
• Multiple voluntary and company-provided benefits.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: High school or GED