Mortgage Underwriter

2 weeks ago

Chennai, India Happy Staffers Full time

Job Profile- NON QM

Shift- US Shift

Permanent Work From Home

PFB JD for your reference.

* Good exposure of the underwriting review of the Non-QM Loans.

* Well verse with Non-QM Products like 12/24 Months Bank Statements, ITIN Loans, ALT DOC Loans, and DSCR Loans.

* Interpret Non-QM Matrix & Guidelines accurately

* Complete review of the Borrower profile including collateral, compliance and other lending risks such as interested party involvements

* Complete review of data consistency across the entire loan package to match system, AUS (DU/LP), Fraud Guard Reports or any other reports used to compliance or fraud checks

* Complete review of collateral including in depth analysis of appraisal reports, title commitment, fraud risk checks, insurances documents and sales contract

* Interpret credit policy guidelines and investor guidelines (all FNMA, FHLMC) and apply them to specific loans for effective sale in the secondary market

* Maintain a working knowledge of all current underwriting guidelines, federal and state lending laws and has the ability to comprehensively explain all to others while processing the mortgage loan files

* Stringently look for the Loan to Value (LTV), Debt to Income ratio (DTI) and Housing to Income ratio (HTI) ratios components in the mortgage loan files

* Effectively and quickly communicate any areas of concern with a loan file to supervisors/managers.

* Demonstrate excellent customer service and professionalism.

* Should have very good writing skills with proper grammar and able to summarize requirements in short but clear format.

* Determining, documenting underwriting conditions, communicating requirements and decisions.

* Underwriters maintain high-quality standards by meticulously reviewing loan files. They verify accuracy, completeness, and consistency of information to minimize errors.

Job Types: Full-time, Permanent

Pay: ₹600, ₹800,000.00 per year

Benefits:

  • Provident Fund

Work Location: In person

Speak with the employer

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