Senior Financial Analyst

4 weeks ago

Pune, Maharashtra, India eClerx Full time
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Topic: eClerx Virtual Walkin : Mortgage
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Job Description :
Residential Mortgage Underwriter
Overview: The Underwriter is responsible for critically assessing the creditworthiness of loan applicants and the eligibility of properties, ensuring all loans meet the Bank's guidelines and regulatory requirements. This role involves a deep dive into financial data, property valuations, and loan documentation to render informed loan decisions.
Key Responsibilities:
Credit Analysis: Perform comprehensive analysis of borrower credit profiles, including credit reports, debt-to-income ratios, and payment history.
Property Analysis: Conduct thorough reviews of property appraisals to confirm valuation, condition, and marketability.
Document Verification (Advanced): Re-verify and critically evaluate income, asset, and credit documents to ensure accuracy and consistency with underwriting guidelines.
Loan Document Review: Review all subsequent loan documents received post-processing for accuracy and completeness.
Condition Generation: Clearly define and add specific conditions necessary for loan approval, communicating these effectively.
Loan Decisioning: Make informed decisions on loan applications (approve, conditionally approve, or deny) based on comprehensive analysis and adherence to guidelines.
Underwriting Memo Completion: Complete detailed Underwriting Memos or worksheets as required, documenting the rationale for loan decisions and conditions.
Compliance & Regulatory Adherence: Strictly adhere to the Bank's compliance policies and procedures, ensuring all operations meet regulatory compliance requirements.
Qualifications:
Proven experience as a Mortgage Underwriter with a strong understanding of conventional, and potentially FHA/VA, loan programs.
Expertise in credit analysis, income/asset calculation, and appraisal review.
Exceptional analytical and decision-making skills.
Thorough knowledge of federal and state mortgage lending regulations.
Ability to work independently and manage a pipeline of loans efficiently.
Strong written communication skills for documenting loan decisions.

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