Loan Underwriting Specialist

3 days ago

Jodhpur, India beBeeUnderwriter Full time

Loan Underwriting Specialist RoleWe are seeking a highly skilled Loan Underwriting Specialist to join our organization. The ideal candidate will have 4+ years of US mortgage underwriting experience and possess a deep understanding of residential mortgage guidelines.Critical Thinking and Problem Solving:The Loan Underwriting Specialist will be responsible for analyzing complex loan documents, evaluating credit reports, and making informed decisions based on the borrower's income, assets, liabilities, and collateral (the 4Cs of underwriting).Expertise in Residential Underwriting:The successful candidate will have sound knowledge of US residential mortgage guidelines, including FNMA, FHLMC, and GNMA. Experience with investor guidelines is an added advantage.Strong Analytical and Communication Skills:As a Loan Underwriting Specialist, you will be expected to communicate effectively with borrowers, lenders, and other stakeholders. You must be able to present complex information in a clear and concise manner.Collaboration and Teamwork:You will work closely with cross-functional teams, including sales, marketing, and operations, to ensure seamless loan processing and customer satisfaction.Key Responsibilities:Evaluate complete loan documents and provide approval or denial decision.Complete review of credit report to verify trade lines, derogatory accounts, public records, and credit reconciliation.Thorough income calculation – salaried income, business income, retired other income, and rental income.Complete review of Collateral and property valuation.Assets verification include borrower's bank account statement, retirement accounts, mutual funds, and other investments.Credit analysis based on borrower's Income, Asset, Liability, and Collateral (4C's of Underwriting) to determine the credit worthiness of a customer.Validating and processing the Loan documents on behalf of Mortgage lender organization.Evaluating evidence of borrower's willingness and ability to repay the obligation.Requirements:4+ years of US mortgage underwriting experience.Solid understanding of residential mortgage guidelines, including FNMA, FHLMC, and GNMA.Excellent critical thinking, problem-solving, and communication skills.Ability to analyze complex loan documents and make informed decisions.Strong analytical and problem-solving skills.Decision-making skill when applying in business judgment.We Offer:A dynamic and supportive work environment.Ongoing training and development opportunities.Competitive salary and benefits package.Opportunities for career growth and advancement.

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