Live Underwriter- US Mortgage process- Coimbatore-walkindrive
3 weeks ago
Position:Underwriter
Location:Remote
Total Open Positions:25
Required Experience: 45years
Notice period: ImmediateJoiners
JobOverview :
The Conventional Underwriterreviews conditions and underwrites mortgage loans in accordancewith established policies and procedures and appropriateguidelines; examines all documentation for accuracy andcompleteness.
Key RequiredSkills :
Excellent at IncomeCalculation and DebttoIncome (DTI) RatioCalculation.
Expertise in 4Cs framework (CreditCapacity Collateral and Capital)
Familiar inCredit report Analysis & LOX (Letter ofExplanation).
Knowledge on Credit BureauDocuments to approve the loan Familiar with different accounttypes.
Job Roles andResponsibilities:
Review and analysethe mortgage loan application to ensure eligibility accuracycompleteness and compliance with internal and regulatory guidelinesto minimize risk factors.
Review all requiredloan data reports and inspections to insure the collateral isacceptable to investor and the company.
Knowledge of Lending & Underwriting Guidelines Credit& Income Analysis Cash Flow Analysis Risk AssessmentLoantoValue Ratios DebttoIncome Ratios.
ReviewInitial application Verify loan property borrowers information withother available documents Verify borrowers monthly income andexpenses Verify other relevant sections.
Reviewall the documents related to borrower s Credit Capacity Collateraland Capital.
Calculate asset required forclosing and reserve purpose for the transaction (as perguideline)
Responsible for making independentdecisions regarding acceptance and risk of loans according to HUDcompany and investor guidelines.
Provides finalapproval underwriting of mortgage loans.
Completes all required paperwork and forms in a timely and accuratemanner; prepares required forms.
Sign offconditions in a timely manner set by management.
Work with staff and management to find solutions on escalatedloans.
May be requested to make recommendationsfor improving Internal Audit s policies andpractices.
Manage loans by using all functionsof Encompass.
Effectively communicateunderwriting decisions with processors andadvisors
Maintain high level of customer serviceand communication with other departments.
Otherduties as assigned.
Qualification& Experience:
Degree orEquivalent
Minimum 4 years of experience inconventional/govt end to end underwriting.
Wellversed with all 4C s of Underwriting (Asset Income Credit andCollateral)
US Mortgage Process (Only NightShifts)
Hybrid.
hybrid,encompass,sign offconditions,underwriting,collateral,credit
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