US Mortgage Underwriter
2 days ago
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.
Experience: -
4years and above
Education Qualification:-
Degree Or Equivalent
Preference: -
US Mortgage Process (Only Night Shifts)
Work From Home/Remote.
Key Required Skills:-
Candidate must have experience in live underwriting & Real Time Analysis.
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 and analyse the mortgage loan application to ensure eligibility, accuracy, completeness,
and compliance with internal and regulatory guidelines to minimize risk factors.
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 Initial application - Verify loan, property, borrowers’ information with other available
documents - Verify borrower's monthly income and expenses - Verify other relevant sections.
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. Qualification & Experience
Degree or Equivalent
Minimum 3 years of experience in conventional/govt end to end underwriting.
Well-versed with all 4C’s of Underwriting (Asset, Income, Credit and Collateral)
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