▷ Apply in 3 Minutes: Underwriter

3 weeks ago

Mysuru, India ThoughtFocus Full time

ESSENTIAL DUTIES AND RESPONSIBILITIES:

- Complete credit re-underwrite on all loan files pursuant to AUS findings or manual loan approvals.
- Analysis of property appraisal to determine if value is supported and property meets all eligibility requirements.
- Analysis and recalculation as required of all borrower income sources.
- Analysis of borrower’s debt load and calculation of debt to income ratio.
- Make determination that loan elements are acceptable to appropriate investor guidelines.
- Interpret the results of any re-verifications received at the time of the QC review and cite defects accordingly.
- Enter defined loan data into Quality Control system.
- Complete review of all closing documents and disclosures on all loans files, as able.
- Analysis of Note, Mortgage, and Assignment with emphasis on accuracy.
- Check file for all legal documents.
- Perform appropriate High Cost, APR, Amount Financed, and State Predatory tests in the Compliance Review system.
- Comment on loan inaccuracies, deficiencies, and missing items.
- Assign loan level defects pursuant to the severity and type of deficiency with an emphasis on overall investor and agency risk.
- Ability to meet daily productivity goals.
- Ability to achieve and maintain quality standards.
- Maintains consistent schedule for training and mentoring with QC Auditor II or above.
- Performs other duties as required.

EDUCATION AND/OR EXPERIENCE:

- A minimum of 1-5 years’ mortgage underwriting, mortgage processing and/or quality control experience, some knowledge of Fannie Mae, Freddie Mac, FHA, and VA lending is required.
- Bachelor’s degree in business, or related field; or equivalent work experience.

Knowledge of lending compliance such as TRID is highly desired.

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