Mortgage Underwriter

3 weeks ago

Chennai, India Talentgigs Full time

Role - Mortgage Underwriter

Location - Chennai

Shift - Night Shift


DESCRIPTION:

The Underwriter will be responsible for assessing residential mortgage loans for

adherence to investor criteria including but not limited to those criteria stipulated by the

nationally recognized statistical rating organizations for third party review of residential

mortgage loans. This assessment will encompass aspects of data quality, credit decisioning,

regulatory compliance, fraud screening, property valuations and servicing history.


DUTIES:

Essential duties shall include but not necessarily be limited to:

• Loan File Inventory: ensuring residential mortgage loan packages contain all

necessary documentation required to formulate a complete assessment.

• Credit Review: assess all elements of the credit decisioning process undertaken

to approve the loan including underwriting guidelines, income calculation and

validation of assets.

• Fraud Review: review the credit package and related background search on

mortgage loan borrowers to identify potential fraud risks.

• Property Valuation Review: review appraisals and alternative value products for

conformity to client specified requirements to assess accuracy of the property

valuation.

• Legal Doc Review: assess all legal documents included in residential mortgage

loan files to ensure proper execution, enforceability, and sufficiency for title

perfection.

• Regulatory Compliance Review: gather regulatory compliance data elements

from the loan file for capture in the review system.

• Servicing History Review: review the servicing history of residential mortgage

loans by assessing payment histories and servicing commentary in a manner

consistent with client requirements.

• Credit Risk Grading: leveraging the utility of the review system,

assess loan quality grades based on client specifications and standards set forth

within applicable credit rating agency grading criteria.



QUALIFICATIONS:

Required Education and Experience:


• Essential Skills: Essential to success in this role as a Mortgage

Underwriter, the candidate must satisfy the following requirements:

• Experience: minimum 3-8 years underwriting residential mortgage loans with

demonstrable proficiency in understanding underwriting guidelines and an

understanding of mortgage loan regulatory compliance

• Computer Skills: strong background with the use of computer programs used to

manufacture or review mortgage loans and standard knowledge of Microsoft

Office product suite.

Desirable Attributes:

Candidates demonstrating the following attributes will have an increased chance of success in

the role:

• Servicing review experience

• Familiarity with credit rating agency review standards

• Strong written communication skills

• Bachelor’s or master’s degree preferred

• Soft skills: time management, thoughtfulness, reason, and problem solving, and

professional communication

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