Residential Mortgage Underwriting TEAM Lead

1 week ago

Chennai, Tamil Nadu, India HCLTech Full time

HCL TECH MEGA DRIVE FOR Residential Mortgage Underwriting Team Leader

PLEASE ATTEND ONLY IF YOU HAVE RELEVANT EXPERIENCE

Walk-in Details:

Date: 22,23 Feb 2025

Timing : 11:00AM to 2:00 PM

Interview location : Sy. No. 89, SEZ Unit-V, 3rd Floor, Tower 8, Gar Laxmi Infobahn,

Kokapet, Ranga Reddy District , Hyderabad-500075

HR Contact: Pradeep/Praveen

Designation: Residential Mortgage Team Leader

(5 to 8 Yrs Exp)Designation: Team Leader

Note : Looking for Immediate Joiners only

Job Summary:

This is a Residential Mortgage Underwriting process which involves a complete analysis of the loan parameters and the borrowers' details pertaining to Income, credit and assets.

Candidate shall be responsible for managing a team of underwriters and senior underwriters, ensuring on-time and quality of deliverables. Communicate decisions that most effectively mitigate credit risks, including data integrity and validity of information submitted. Applies understanding of established guidelines, Fair Lending and all other regulatory requirements while utilizing prudent underwriting judgment and experience.

Key words

Residential Mortgage Underwriting

Live underwriting

Mortgage Decisioning

Income Verification using Paystubs, W2s, 1099,1065, 1120

Verifying Disability Income, Social Security Income, Alimony and Child support Income

Credit report review

Asset review

Reviewing Bank statements, Investment statements, Gift letters

Responsibilities:

Ensure SLA adherence for all metrics

Guide the team towards the operational excellence

Provide the functional trainings to team

Maintain the Quality bench marks for deliverables

Handling client escalations & implementing preventive actions

Manage the flow of day-to-day operations

MIS & Reporting

Handles complex borrower escalations utilizing knowledge of specialized loan products

Should be able to suggest process re-engineering and improvement solutions.

Own and manage the team members' performance, issues, concerns

Skills Required :

Excellent reading and comprehension skills.

Excellent decision-making skills that are backed by relevant details and research.

Good analytical and audit skills.

Good oral and written communication skills along with good listening skills

Knowledge pertaining to the regulations governing mortgage lending.

Logical and reasoning skills

Ability to multitask. Must pay close attention to detail

Self-driven, results-oriented with a positive outlook, and a clear focus on deliverables and high quality

Minimum Requirements

Bachelor's degree in any discipline.

5 to 7 years of overall banking experience with a minimum of 3 years' experience in residential Mortgage Underwriting for Conventional/FHA/VA loans of which 1 year should have been in a Team Leader capacity

Demonstrated leadership experience

Willingness to work in night shifts is a must.

Perks and Benefits :

MNC

Cab facility (two way) (Upto 30 Kms Only)

Salary : great in the industry

Excellent working environment

Free Cab for female employees

International Trainers

World class exposure

How You'll Grow

At HCL Tech, we offer continuous opportunities for you to find your spark and grow with us. We want you to be happy and satisfied with your role and to really learn what type of work sparks your brilliance the best. Throughout your time with us, we offer transparent communication with senior-level employees, learning and career development programs at every level, and opportunities to experiment in different roles or even pivot industries. We believe that you should be in control of your career with unlimited opportunities to find the role that fits you best.

Why Us

We are one of the fastest-growing large tech companies in the world, with offices in 60+ countries across the globe and 222,000 employees.

Our company is extremely diverse with 165 nationalities represented.

We offer the opportunity to work with colleagues across the globe.

We offer a virtual-first work environment, promoting a good work-life integration and real flexibility.

We are invested in your growth, offering learning and career development opportunities at every level to help you find your own unique spark.

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