Non Qm Underwriter

5 months ago

Mumbai, India Transformatrix LLP Full time

**Non QM Underwriter**

Principle 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, DSCR

Loans.
- Interpret Non-QM Matrix & Guidelines accurately
- Complete review of the Borrower profile including credit, income, assets, collateral, compliance, employment

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

Quatrro MortgageGuard 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

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
- Perform required analysis of Assets, Income and Credit to ensure borrower profile, transaction and properties

meet the company’s lending criteria
- 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 mentors/supervisors
- Responsible for Credit and Income documenting all decisions to ensure each underwritten file meets the

company’s credit quality criteria and individual loan product guideline
- Maintain compliance with all company policies and procedures - follow the standard income and assets

calculator, fill the required tools and correctly documents the findings
- 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.

Other Responsibilities
- Meeting goals as per the defined key result areas
- Maintaining a track of daily processed transactions and reporting on a timely and accurate manner to

Process Supervisor / Team lead
- To be abreast with all process updates on a timely manner
- Appearing and qualifying all periodic process assessments with defined benchmark scores
- Achieving daily productivity and quality targets
- Adherence to process SLA’s (ensure loan delivery SLA -Service level agreement is not missed)

Information security related roles responsibilities
- Strictly adhere to the process and floor info Sec policies at all times
- Implement and act in accordance with the organization’s information security policy
- Protect assets from unauthorized access, disclosure, modification destruction or interference
- Execute particular security processes or activities as may be assigned by the superior
- Be accountable and responsible for actions taken
- Report breach of security events or other security risks to the organization

Contact HR Nikita - 8356998840

**Salary**: ₹500,000.00 - ₹800,000.00 per year

Schedule:

- Night shift

Ability to commute/relocate:

- Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (required)

**Experience**:

- total work: 2 years (preferred)

**Speak with the employer**
+91 8356998840

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