Mortgage Underwriter

Who We Are:
Dominion Financial Services (DFS) is a mortgage originator focused on single-family real estate. DFS specializes in two main loan products: short-term bridge loans for fix & flip investors and long-term rental loans for landlords building their rental portfolios. DFS is thriving in the current competitive environment and consistently delivers aggressive quarterly growth, with an average origination volume of $70MM per month. We are seeking a detail-oriented Underwriter to join our growing team and contribute to our ongoing success.

Our Company’s Core Values

• Integrity
• Accountable & Dependable
• Team Centric
• System & Process Oriented
• Service Ethic
• Organized Efficiency - Risk Management & Compliance

Your Impact:

• Play a key role in driving sound investment decisions that directly impact company profitability and growth.
• Help shape the next generation of DFS’s underwriting technology by assisting with training AI models to mirror expert-level decision-making.
• Safeguard DFS against risk by ensuring underwriting accuracy and adherence to company standards.
• Help maintain DFS’s reputation as an industry leader by supporting high loan quality, efficient closings, and exceptional client outcomes.

In This Role You Will:

• Analyze single-family residential real estate transactions.
• Assess construction and rehabilitation budgets.
• Provide structured feedback to AI tools on transaction risk factors and decision rationale to improve automated Underwriting.
• Prepare detailed financial analyses and investment summaries.
• Review AI-generated analytics for accuracy, ensuring the system learns to align with DFS standards and investment philosophy.
• Communicate effectively with internal and external stakeholders.
• Adapt to changing company strategies and processes.

Requirements:

• Minimum of 5 years as a Mortgage Underwriter with demonstrated ability to manage complex underwriting scenarios.
• Strong experience underwriting Non-QM products (bank statement, asset depletion, DSCR, 1099, and P&L loans).
• Comfort working with evolving AI tools.
• Expert understanding of both Agency and Non-QM lending guidelines and compliance requirements.
• Critical thinking and adaptability in a fast-moving environment.
• Strong Excel and Word skills.
• Excellent verbal and written communication.

Preferred Qualifications:

• Proficiency with mortgage software systems, including Encompass and Mavent
• Comfort working with evolving AI tools.
• Experience training AI models.
• MLS/CoStar experience.
• Highly analytical with strong quantitative skills.
• Exceptional attention to detail.
• Focused and self-motivated.
• Demonstrated knowledge of construction and rehabbing.

Benefits:

• Health insurance
• Dental insurance
• Vision insurance
• 401(k)
• 401(k) matching
• Paid time off

While At Dominion You Will Enjoy

• Company outings & social events
• Virtual events
• Companywide competitions and raffles
• Personal financial workshops
• Orioles season tickets

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