Income Analysis Tool Specialist

Digital Risk’s mission to Make Mortgages Safe relies on the perfect blending of human experience and state-of-the-art technology to serve its workforce and clients.
‎ Digital Risk’s 1,500+ team members make us one of the largest mortgage outsource providers in the U.S., supplying appraisal and mortgage processing, underwriting, and closing services to the largest banks and loan originators.

Position Overview:

The Income Analysis Tool Specialist is responsible for reviewing, validating, and analyzing borrower income documentation using specialized tools and methodologies. This role ensures accurate income calculations in compliance with investor guidelines and internal policies. The ideal candidate will possess strong analytical skills, attention to detail, and a deep understanding of income types and employment structures.

Essential Job Functions:

 Review and analyze income documentation including paystubs, W-2s, tax returns, and bank statements.

 Utilize income analysis tools to calculate borrower income accurately.

 Ensure income calculations comply with FNMA, FHLMC, FHA, VA, and internal guidelines.

 Identify discrepancies or red flags in income documentation and escalate as necessary.

 Collaborate with underwriters and processors to resolve income-related issues.

 Maintain accurate records of income analysis and documentation used.

 Stay updated on changes in investor guidelines and income calculation methodologies.

 Provide feedback and suggestions for improving income analysis tools and processes.

 Support training and onboarding of new team members on income analysis procedures.

 Ensure timely completion of income analysis tasks to meet service level agreements.

Requirements:

 2–4 years of experience in mortgage underwriting or income analysis.

 Strong knowledge of income documentation and calculation methods.

 Ability to follow complex task process and complete notation and documentation

 Familiarity with FNMA, FHLMC, FHA, and VA guidelines.

 Excellent analytical and problem-solving skills.

 Strong written and verbal communication skills.

 Ability to work independently and collaboratively in a fast-paced environment.

 Proficiency in Microsoft Office and mortgage loan origination systems.

 Detail-oriented with a high level of accuracy.

 Ability to work U.S. business hours.