Us mortgage underwriter

2 days ago

India Brace Infotech Private Ltd Full time

The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness. Experience: -4years and above Education Qualification:- Degree Or Equivalent Preference: - US Mortgage Process (Only Night Shifts) Work From Home/Remote. Key Required Skills:- Candidate must have experience in live underwriting & Real Time Analysis.  Excellent at Income Calculation and Debt-to-Income(DTI) Ratio Calculation.  Expertise in 4 C's framework (Credit, Capacity, Collateral and Capital),  Familiar in Credit report Analysis & LOX (Letter of Explanation).  Knowledge on Credit Bureau, Documents to approve the loan, Familiar with different account types. Job Roles and Responsibilities:  Review and analyse the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors.  Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor and the company.  Knowledge of Lending & Underwriting Guidelines | Credit & Income Analysis | Cash Flow Analysis | Risk Assessment | Loan-to-Value Ratios | Debt-to-Income Ratios  Review Initial application - Verify loan, property, borrowers’ information with other available documents - Verify borrower's monthly income and expenses - Verify other relevant sections.  Review all the documents related to borrower’s Credit, Capacity, Collateral and Capital.  Calculate asset required for closing and reserve purpose for the transaction (as per guideline) Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines.  Provides final approval underwriting of mortgage loans.  Completes all required paperwork and forms in a timely and accurate manner; prepares required forms.  Sign off conditions in a timely manner set by management.  Work with staff and management to find solutions on escalated loans.  May be requested to make recommendations for improving Internal Audit’s policies and practices.  Manage loans by using all functions of Encompass.  Effectively communicate underwriting decisions with processors and advisors  Maintain high level of customer service and communication with other departments.  Other duties as assigned. Qualification & Experience  Degree or Equivalent  Minimum 3 years of experience in conventional/govt end to end underwriting.  Well-versed with all 4 C’s of Underwriting (Asset, Income, Credit and Collateral)

  • US Mortgage Underwriter

    6 days ago

    India Brace Infotech Private Ltd Full time

    The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness. Experience: - 4years and above Education Qualification:- Degree Or Equivalent Preference: - US Mortgage Process (Only Night...

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    3 weeks ago

    India Brace Infotech Private Ltd Full time

    The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness. Experience: - 4years and above Education Qualification:- Degree Or Equivalent Preference: - US Mortgage Process (Only Night Shifts) Work...

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    1 week ago

    India Brace Infotech Private Ltd Full time

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    7 days ago

    India Brace Infotech Private Ltd Full time

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    3 weeks ago

    India Brace Infotech Private Ltd Full time

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    2 weeks ago

    India Brace Infotech Private Ltd Full time

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    7 days ago

    India Brace Infotech Private Ltd Full time

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    6 days ago

    India Brace Infotech Private Ltd Full time

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