Jr. Credit Underwriter

D.R. Horton, Inc., the largest homebuilder in the U.S., was founded in 1978 and is a publicly traded company on the New York Stock Exchange. It is engaged in the construction and sale of high quality homes designed principally for the entry-level and first time move-up markets. The Company also provides mortgage financing and title services for homebuyers through its mortgage and title subsidiaries. Please visit our website at www.drhorton.com for more information.

D.R. Horton, Inc. is currently looking for a Jr. Credit Underwriter. The right candidate will be responsible for the underwriting of conventional loans.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

• Participate in training program designed to learn all facets of conventional underwriting
• Underwrite and make credit decisions on loans received daily that have been assigned by the Underwriting Manager
• Be proficient in conventional guidelines and corresponding investors
• Prioritize RUSH’s and newly submitted loans to meet the required turn-around time
• Perform loan decisioning functions in the Loan Origination System (Encompass)
• Prior to declining a loan, submit it to the Underwriting Manager for an in-depth second review. If Underwriting Manager concurs with decision to decline, notify the branch
• Maintain frequent contact with the Processors, Loan Officer Assistants, Mortgage Loan Originators and Branch Managers
• Review conventional appraisals when applicable
• Conducts all business in a professional and ethical manner to serve customers and increase the goodwill and profit of the company
• Ability to work overtime

Education and/or Experience

• High school diploma or general education degree (GED)
• One to two years of experience in the mortgage industry
• Ability to effectively communicate using strong written and verbal skills
• Ability to multitask and provide attention to detail
• Ability to apply common sense understanding to carry out instructions furnished in written oral form or via DRH applications
• Proficiency with MS Office and email
• Ability to sit for majority of 8-hour workday; use hands and fingers to handle or feel; reach with hands and arms; talk and hear. Specific vision abilities required by this job include close vision and peripheral vision
• The noise level is generally moderate

Preferred Qualifications

• Bachelor’s degree from a four-year college or university a plus

Come join a winning team with a Fortune 500 company! We are growing fast and are looking for enthusiastic attitudes and team players to join our success. We offer an excellent benefits package including:

• Medical, Vision and Dental
• 401(K)
• Employee Stock Purchase Plan
• Flex Spending Accounts
• Life Insurance
• Vacation, Sick, Personal Time and Company Holidays

Build YOUR future with D.R. Horton, America’s Builder. #WeBuildPeople2

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