Mortgage Underwriter
1 week ago
Opening:
10 Nos
Job ID:
31279
Employment Type:
Full Time
Reference:
Work Experience:
4.0 Year(s) To 12.
0 Year(s)
CTC Salary:
Not Disclosed by Recruiter
Function:
Accounts / Finance / Tax / CS / Audit
Industry:
ITES/BPO/KPO
Qualification:
Any - Any Graduation
Location:
Bengaluru/bangalore
Mumbai
Posted On:
16th Aug, 202- Completes a thorough analysis of loan files to determine compliance with company, investor, and FHA/VA guidelines.
- Develop and maintain knowledge of multiple loan product guidelines for quick and accurate answers
- Accurately calculate borrower's income and debttoincome ratios.
- Analyzes credit, income, tax returns, assets and appraisals; determine the borrower's credit worthiness and ability to repay the loan as agreed for the terms requested
- Evaluates the entire credit package and collateral for residential mortgage loans and ultimately ensures an "investment" quality loan product.
- Checks accuracy of all calculations and data integrity.
- Completion of all required underwriting worksheets
- Assists with the training of new underwriters.
- Recommends the loan disposition to underwriting manager for loan amounts in excess of authority limitation.
- Maintains company standard for productivity level and complies with company policy of 48 hour underwriting turnaround time and 24 hour turnaround time for clearing conditions.
- Strives to meet 4 decisions/day within allotted time
- Communicates decision on loans to appropriate parties both verbally and in writing.
- Maintains underwriting activity logs and provides monthly underwriting report to underwriting manager.
- Available to processors and correspondents for general guideline interpretations and questions on specific loan files.
- Responds to post closing reviews and audits in a timely fashion.
- Performs related duties, as directed by Underwriting or Operations Manager.
- Basic mathematical knowledge; ability to add, subtract, divide and multiply.
- Knowledge of personal computers and applicable software. (Microsoft Office, Point, and Excel).
- 3+ years' experience as an Underwriter in a similar model including multistate experience.
- Experience with both refinance & purchase preferred.
- Strong working knowledge of FNMA, FHLMC and Government Loans guidelines.
Skills:
- Strong aptitude for detail, accuracy, and organization
- Ability to prioritize and multitask with ease
- Excellent interpersonal, written, and verbal communication skills
- Ability to work in a highvolume environment
- 4 years of recent related mortgage experience
- Encompass loan origination system experience
Key Skills:
Mortgage Underwriter
Us Mortgage
Company Profile
As a leading provider of business process outsourcing solutions, our client helps mortgage organizations do more with less, so they can scale quickly and grow business.
They support every task associated with originating, servicing and purchasing loans—leveraging automation to reduce process turn times and costs while enhancing loan quality.
Our global team works seamlessly behind the scenes, 24/7, allowing clients to close, sell and service loans faster than they could ever imagine.
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