Underwriter

6 days ago

Pune, India Career Guideline Full time
Full Job Description
Position Summary:
The Mortgage underwriting associate evaluate and determine the eligibility of loan applications
of residential mortgage (1-4 family) loans. Mortgage underwriting associate role includes but
not limited to analyzing and verifying loan applications, review of all 4 C’s, evaluating risks, and making loan eligibility decisions.
The incumbent ensures the accurate, efficient, and timely flow of information/documentation
for offering quality and efficient services.
Responsibilities:
 Knowledge of mortgage underwriting and Agency automated underwriting systems
 Demonstrate a full understanding of agency guidelines as well as posted Lender internal
guidelines
 Review all mortgage applications and documentation for accuracy and completeness
 Review and be able to complete a full analysis of all types of income
(Self/Rental/Wage/etc), Assets, Liabilities, Credit and Collateral.
 Analyze credit, income, and assets on a loan-by-loan basis to properly assess individual
risk, and promptly provide underwriting decisions to Mortgage Originators
 Review property documentation including title commitments, sales contracts, insurance,
and flood determinations
 Maintain a well-developed knowledge of loan product guidelines and industry
regulations, including assisting in the prevention, detection, and resolution of mortgage
fraud
 Review and analyze appraisals for value and compliance with industry requirements
 Demonstrate the ability to independently make sound decisions based on the
creditworthiness of the applicants based on established underwriting guidelines,
policies, procedures, knowledge, and experience
 Provide exceptional customer care (both internal and external) in a manner that
satisfies the individual needs of each customer and builds loyalty to the client
 Maintain confidentiality of all customer and employee information
 Respond positively to feedback and redirection
 Fully utilize systems, tools, training, and resources provided to maximize potential
 Assist other departments as needed
 Meeting daily production.
 Meeting the daily SLA requirement
 Meeting the daily Quality requirements
Qualifications Education: Bachelors in any stream.
Experience: 2+ years’ increasingly responsible experience in related areas.
CTC: 12 Lacs
Work from home
Knowledge/Skills/Abilities:
 Experienced mortgage professional with 2-3 years with mortgage underwriting.
 Has a complete understanding of Conventional, FHA and VA underwriting guidelines.
 Has working knowledge of real estate lending criteria and federal, state, and agency
compliance
 Can multi-task and manage time efficiently
 Has strong organizational skills, attention to detail, and basic Microsoft Office skills
 Good analytical and problem-solving skills.
 Strong organization and verbal and written communications skills.
 Highly adaptive and open to changes as the organization grows and its needs evolve.

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