QA - Underwriting

1 week ago

pune, India Mphasis Full time

Closer

Digital Risk’s mission to Make Mortgages Safe relies on the perfect blending of human experience and state-of-the-art technology to serve its workforce and clients.

Digital Risk’s 1,500+ team members make us one of the largest mortgage outsource providers in the U.S., supplying appraisal and mortgage processing, underwriting and closing to the largest banks and loan originators.

Position Overview:

The Mortgage Underwriter QA will be responsible for Auditing all Files underwritten by Onshore Underwriters while maintaining good reporting and providing regular Feedback to UW. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills. Candidate must be able to Ensure that Audit Timelines are meet and files are turned around in timey manner.

Essential Job Functions:

 Underwrites Conventional, FHA and VA loans

 Perform complete and in-depth review of mortgage loan files including; income, assets, credit and collateral in accordance with Fannie Mae selling guidelines and Lender overlays

 Well worst with Self-employment Cash-flow and Income Analysis , Read business tax returns 1120s, 1065 and K1

 Calculate Loan-To-Value/CLTV, Debt-To-Income and housing ratios

 Evaluate and ensure overall loan documents are accurate, complete, and compliant with Investor guidelines

 Risk Analysis, Identify red flags and note the file with all required conditions

 Independently manage active files, including the conditions clearing and act as a contact point for Processors and Loan Officers in understanding of policies and procedures, and QC Audit issues

 Utilize client’s loan operating system to ensure accurate data entry

 Maintain current knowledge of client and investor requirements adaptable to changing updates and ensure loans are underwritten accordingly

 Obtain approvals from Mortgage Insurers and Investors by forwarding the terms based on their requirements, also seek Second Level Reviews with Risk Managers

 Opening the appropriate tasks in case of Approvals, Denials, Counter offers and Out of scopes

 Review and approve conditions for compliance and completion of loan file

 Possess thorough knowledge of underwriting and to be detail oriented with excellent research and decision making ability under deadline pressure to achieve Quality SLA

Requirements:

 3+ years of Mortgage Underwriting experience

 Knowledge of UW Fannie Mae & Freddie Mac Guidelines requirements

 Expertise in Income calculation. Cash flow analysis, etc

 Proficient in review of credit report, Appraisal report, Income documents, Title commitment, Assets & Liability docs

 Must maintain the highest standard of attention to detail

 Good computer/technical knowledge-paperless environment

 Excellent Analytical and communication skills

 Candidates must be Able to work a rotational schedule encompassing the hours of 8 to 8 in a 40 hour work week; this will involve several days a week working an 11-8 schedule, according to a preset schedule

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