End-to-End Home Equity Underwriter

United States Digital Space LLC; Frisco (TX); On-site; USD 65,000 - 95,000; Full time

Job summary

United States Digital Space LLC is hiring an experienced Home Equity Underwriter to manage end-to-end underwriting of Home Equity loan files in Frisco, TX. You will own the full file, evaluating credit, income, assets, collateral, conditions, and final underwriting decisions, while partnering with processors to move loans toward clear-to-close.

This role requires at least 2 years of conventional mortgage underwriting with direct decision-making, strong risk assessment, and the ability to work in

Qualifications

• Minimum 2 years of conventional mortgage underwriting experience with direct decision-making.
• Full-file underwriting ownership across credit, income, assets, collateral, conditions, and final decisions.
• Direct appraisal and title review experience.
• Strong experience analyzing self-employed income and complex borrower scenarios.
• Ability to independently evaluate and clear underwriting conditions.
• Strong understanding of credit policy, underwriting guidelines, collateral evaluation, and risk assessment.
• Experience working in a compliance-driven, production-oriented environment with accountability for quality and turn times.
• Strong communication and collaboration skills, particularly when partnering with processors.
• Ability to work standard business hours aligned with Central Time.
• Ability to work from the Frisco, Texas office 1–2 days per week.

Responsibilities

• Underwrite and decide Home Equity loan files in accordance with company policies and applicable investor and regulatory guidelines.
• Perform full credit risk analysis, including borrower creditworthiness, income stability, assets, and collateral.
• Review and analyze credit reports, income and asset documentation, tax returns, appraisals, title reports, and other loan documentation.
• Apply independent credit judgment in a manual or semi-manual underwriting environment.
• Independently evaluate and clear underwriting conditions to maintain pipeline momentum.
• Analyze self-employed borrower income, including Schedule C, K-1s, partnerships, corporate returns, and business tax returns.
• Identify potential risk, fraud, or documentation concerns and elevate appropriately.
• Collaborate closely with loan processors to resolve documentation gaps and move loans toward closing.
• Make clear, well-documented, and defensible approval, suspension, or decline decisions.
• Meet established production, turn-time, quality, accuracy, and compliance expectations.

Skills

Mortgage underwriting

Credit risk analysis

Underwriting ownership

Self-employed income analysis

Team collaboration

Communication skills

Time management

Tools

DU/LP

CHUMS

SAR

Job description

United States Digital Space LLC is hiring an experienced Home Equity Underwriter to manage end-to-end underwriting of Home Equity loan files in Frisco, TX. You will own the full file, evaluating credit, income, assets, collateral, conditions, and final underwriting decisions, while partnering with processors to move loans toward clear-to-close.

This role requires at least 2 years of conventional mortgage underwriting with direct decision-making, strong risk assessment, and the ability to work in