Analyst - Underwriting Services

1 month ago

Gurugram, India Better Full time

Founded in 2016, Better is a digital-first homeownership company whose services include mortgage, real estate, title, and homeowners insurance. We leverage creative technology and innovation to make the homebuying journey more approachable and understandable.


Our company is made up of driven, passionate people who bring their unique backgrounds and perspectives to everything we do. We are committed to fostering diversity, multiculturalism, and inclusion. We see the value in each person’s perspective and recognize their talents, regardless of what the market says. We believe it’s important to nurture a company culture that encourages curiosity and passion—from employee resource groups and learning opportunities to team outings and community outreach.


About the Role

As an Underwriting Services IC, you will play a crucial role in ensuring the accuracy and completeness of mortgage applications, evaluating financial documents, and assessing the creditworthiness of applicants.


RESPONSIBILITIES

  • Understanding of 4 C's of Underwriting.
  • Verify applicant's Credit, Income, Asset and Collateral documentation along with Purchase contract agreements.
  • Deep understanding of Ratio Calculation and AUS reading.
  • Ensure correct documents are processed in company tools and portals used for underwriting.
  • Ensure compliance with company policies, industry regulations, and underwriting guidelines throughout the evaluation process.
  • Communicate effectively with applicants, loan officers, and other internal stakeholders to request additional information, explain decisions, and provide feedback.
  • Maintain accurate records of underwriting decisions, reasons for approval or rejection of documents, and any additional documentation required.
  • Stay up-to-date with industry trends, regulatory changes, and evolving underwriting practices to continuously improve the underwriting process.
  • Initiate outbound calls or emails to collect essential information regarding the borrower.


RESPONSIBILITIES

  • Any Bachelor’s degree. However, a Bachelor's degree in finance, business, or a related field is a plus.
  • Minimum 2 years experience in US mortgage Underwriting.
  • Strong analytical skills with the ability to evaluate complex financial documents.
  • Knowledge of mortgage industry regulations,primarily conventional loan programs.
  • Excellent communication and interpersonal skills.
  • Flexibility to work in different time zones to accommodate US-based calls.
  • Attention to detail and the ability to work independently.
  • Having a knowledge of Collateral documents is a plus.

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