Mortgage Underwriter

1 month ago

Pune, India Mphasis Full time
Job Title: Underwriter
Job Type: Full time Job Opportunity
Work Location Available: Pune (Work from office)
Shift time: Monday to Friday (6.30 pm to 3.30 am)
Essential Job Functions:
Underwrite residential mortgage loans in accordance with Conventional/ FHA and VA guidelines.
Reviews/analyzes loan files submitted for borrowers to ensure file meets loan program requirements. Includes individual analysis of: loan application, credit profile/report(s), debt and assets, income/financial statements, loan values/loan-to-value ratios, appraisal reports, collateral and supporting documentation.
Input of data and analysis of findings in Loan Prospector, Desktop Underwriter, Asset wise, other AUS engines, and OES
Analyze income from salaried, commissioned, self-employed, investments, fixed income sources.
Analyze assets statements for all types of asset accounts
Identifies/calculates loan risk of loss.
Should have good knowledge and understanding about the 4C's of Underwriting.
Conditions files for missing/supporting documentation.
Revisits loans to review and clear conditions.
Escalates fraud files to Credit Manager/Risk Management team.
Communicate status and decisions (approval, suspense, denial) to the appropriate individuals in accordance with company SLA’s
Strong organizational skills.
Excellent communication skills (written and oral).
Excellent customer service skills.
Strong computer proficiency – i.e. – Microsoft Word, Excel, Electronic Mail, Internet and Automated Underwriting Systems
Review and verify income, employment and credit history of applicant, requesting additional information as needed.
Examine loan documentation for accuracy and completeness, while working with Mortgage Consultant and/or production staff to secure all required documents
Scrutinize accounts from which applicant’s funds originate.
Review property appraisal to see if property valued correctly to warrant the loan amount requested.
Ability to perform duties under minimal supervision and actively engage with supervisor to resolve complicated issues
Strong time management skills to plan and organize a high daily loan volume
Requirements
Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags
Experience in reviewing appraisal and title, and ability to recognize red flags and ineligible propertie s
Good planning skills
Good balance between people, process & clients
Good client management & relationship building skills
Ability to work in Night shift
Open to Work from Office
Should have minimum 2 to 3 years of Experience working as Residential Mortage Underwriter.
Kindly apply, only if you are specifically working as a US Mortgage Underwriter (Residential)

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