Lead Mortgage Credit Analyst

2 weeks ago


Aurangābad, India beBeeMortgage Full time

Senior Mortgage Underwriter PositionWe are seeking an experienced Senior Mortgage Underwriter to evaluate loan documents and make informed decisions regarding creditworthiness.Main Responsibilities:Evaluate complete loan documents, including all supporting documentation, to ensure accuracy and compliance.Analyze credit reports to verify trade lines, derogatory accounts, public records, and credit reconciliation.Conduct thorough income calculations, encompassing salaried income, business income, retired other income, and rental income.Review collateral and property valuation to ensure alignment with lending guidelines.Verify assets, including bank account statements, retirement accounts, mutual funds, and other investments.Perform credit analysis based on borrower's income, assets, liabilities, and collateral (4C of Underwriting) to determine credit worthiness.Validate and process loan documents on behalf of a mortgage lender organization.About the Ideal Candidate:Minimum 5 years of underwriting experience in US mortgage.Sound knowledge of US residential mortgage regulations.Exposure to underwriting processes and guidelines.Excellent critical thinking, problem-solving, and sound judgment skills.



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