Underwriter (Usa - Night Shift)
4 weeks ago
**Underwriter**
Location **Bangalore**
**Min Experience**
4 Years -Max Experience 5 Years
**Notice Period**
Max 3 days (Immediate joining)
**Estimated Budget-**Total Budget (₹10L - ₹12L)
**Required Skills**:
**4C's Framework, Income Calculation, Debt-To-Income (DTI) Ratio Calculation, Underwriting, Credit Report Analysis, LOX, Credit Bureau, Documents to Approve the Loan**
- **Degree or Equivalent**_
- **Minimum 4 years of experience in conventional/govt end to end underwriting.**_
- **Well-versed with all 4C’s of Underwriting (Asset, Income, Credit and Collateral)**_
- **US Mortgage Process (Only Night Shifts)**_
- **Hybrid**_
- **Job Overview**_: _**The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness.**_
- **Key Required Skills**_:_
- **Excellent at Income Calculation and Debt-to-Income (DTI) Ratio Calculation.**_
- **Expertise in 4C's framework (Credit, Capacity, Collateral and Capital),**_
- **Familiar in Credit report Analysis & LOX (Letter of Explanation).**_
- **Knowledge on Credit Bureau, Documents to approve the loan, Familiar with different account types.**_
- **Job Roles and Responsibilities**:_
- Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor and the company._
- Knowledge of Lending & Underwriting Guidelines | Credit & Income Analysis | Cash Flow Analysis | Risk Assessment | Loan-to-Value Ratios | Debt-to-Income Ratios._
- Review all the documents related to borrower’s Credit, Capacity, Collateral and Capital._
- Calculate asset required for closing and reserve purpose for the transaction (as per guideline)_
- Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines._
- Provides final approval underwriting of mortgage loans._
- Completes all required paperwork and forms in a timely and accurate manner; prepares required forms._
- Sign off conditions in a timely manner set by management._
- Work with staff and management to find solutions on escalated loans._
- May be requested to make recommendations for improving Internal Audit’s policies and practices._
- Manage loans by using all functions of Encompass._
- Effectively communicate underwriting decisions with processors and advisors_
- Maintain high level of customer service and communication with other departments._
- Other duties as assigned._
**Job Types**: Full-time, Permanent
**Salary**: ₹1,000,000.00 - ₹1,200,000.00 per year
**Benefits**:
- Health insurance
- Life insurance
- Paid time off
Schedule:
- Night shift
Ability to commute/relocate:
- Bengaluru, Karnataka: Reliably commute or planning to relocate before starting work (required)
**Experience**:
- total work: 4 years (preferred)
Work Location: In person
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