Senior Credit Analyst

2 weeks ago


thiruvananthapuram, India beBeeMortgage Full time

Job DescriptionThe role of Underwriter is a vital part of our mortgage underwriting process, ensuring the integrity of all loan documents.With 3+ years of experience in US mortgage underwriting, you will be responsible for evaluating loan documents, credit reports, and collateral to determine the creditworthiness of borrowers.Our ideal candidate has expertise in Live Underwriting, US mortgage, and familiarity with FNMA, FHLMC, GNMA, and investor guidelines. They should also possess analytical and problem-solving skills to make informed decisions in business judgment.Responsibilities include:Evaluating complete loan documents and providing approval or denial decisions.Completing reviews of credit reports and credit reconciliation.Thoroughly calculating income from salaried income, business income, retired other income, and rental income.Reviewing collateral and property valuation.Verifying assets, including bank account statements, retirement accounts, mutual funds, and other investments.Credit analysis based on borrower's Income, Asset, Liability, and Collateral (4C of Underwriting).Required Skills and QualificationsFor this position, we are looking for candidates with a minimum of 3 years of underwriting experience in US Mortgage.They should have sound knowledge of US Residential mortgage, exposure to underwriting processes & guidelines, and excellent critical thinking, problem-solving, and sound judgment.Analysis and calculation of qualifying income from various tax documents such as 1040s, Schedule E, 1065, 1120, 1120S, K1, transcripts, etc. is required.About This RoleThis is a key role within our organization that requires attention to detail and strong analytical skills.We encourage motivated and experienced individuals to apply for this challenging opportunity.



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