▷ (15h Left) Mortgage Underwriter
4 weeks ago
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 properties- 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.
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