Non QM

4 weeks ago

Mumbai, India Mumbai Rozgaar Full time

Role & responsibilities

  • 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.

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