US Residential Mortgage Specialist

1 week ago


tumakuru, India beBeeMortgage Full time

Job DescriptionWe are seeking a seasoned Underwriter to join our team.The successful candidate will be responsible for evaluating loan applications and making informed decisions based on creditworthiness, income verification, and collateral assessment.This role requires strong analytical and problem-solving skills, as well as excellent communication and presentation abilities.Required Skills and QualificationsTotal 4+ years of US mortgage underwriting experienceSound knowledge of US Residential mortgageExposure to underwriting processes & guidelinesExcellent critical thinking, problem-solving, and sound judgmentAnalysis and calculation of qualifying income from salaried various tax documentsWell-versed with FNMA, FHLMC, knowledge of GNMA and investor guidelines is an additional benefitGood analytical and problem-solving skillsDecision-making skill when applying in business judgmentKey ResponsibilitiesEvaluate complete loan documents and provide approval or denial decisionComplete review of credit report to verify trade lines, derogatory accounts, public records, and credit reconciliationThorough income calculation – Salaried income, business income, retired other income, and rental incomeComplete review of Collateral and property valuationCredit analysis based on borrower's Income, Asset, Liability, and Collateral (4C's of Underwriting) to determine the credit worthiness of a customerValidating and processing the Loan documents on behalf of a Mortgage lender organizationEvaluating evidence of borrower's willingness and ability to repay the obligationWhat We OfferA dynamic work environment that fosters growth and development.Ongoing training and support to ensure your success in this role.Beware of fraudulent offers and always verify through official channels.



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