WNS | Lead Associate

3 days ago

pune, India WNS Full time

Job Description


Position Summary:

The Senior Underwriter associate review of all 4 C’s and calculate all liabilities of the borrower that helps in determining eligibility of loan applications of residential mortgage (1-4 family) loans. Senior Underwriter associate’s role includes but not limited to analyzing and verifying loan applications, review of all 4 C’s, evaluating risks and identify any red flag. Assist the other team members and resolve their queries. The incumbent ensures the accurate, efficient, and timely flow of information/documentation for offering quality and efficient services.


Responsibilities :

• Review loan files as per agency and investor guidelines

• Analyze credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and identify any red flag

• Review property documentation including title commitments, sales contracts, insurance, and flood determinations.

• Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud

• Review and analyze appraisals for value and compliance with industry requirements

• Demonstrate the ability to independently make sound decisions based on the creditworthiness of the applicants based on established underwriting guidelines, policies, procedures, knowledge, and experience

• Assisting the other team members and solving queries

• Provide exceptional customer care (both internal and external) in a manner that satisfies the individual needs of each customer and builds loyalty to the client

• Maintain confidentiality of all customer and employee information

• Respond positively to feedback and redirection

• Fully utilize systems, tools, training, and resources provided to maximize potential• Assist other departments as needed

• Meeting daily production.

• Meeting the daily SLA requirement

• Meeting the daily Quality requirements


Qualifications :

Bachelors in any stream.


Experience :

3+ years’ increasingly responsible experience in related areas


Knowledge/Skills/Abilities:

• Experienced mortgage professional with 3+ years expertise as underwriter.

• Has a complete understanding of underwriting guidelines.

• Has working knowledge of real estate lending criteria and federal, state, and agency compliance

• Can multi-task and manage time efficiently

• Has strong organizational skills, attention to detail, and basic Microsoft Office skills

• Good analytical and problem-solving skills.

• Strong verbal and written communications skills.

• Highly adaptive and open to changes as the organization grows and its needs evolve.

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