Expert Mortgage Credit Analyst

1 week ago


coimbatore, India beBeeMortgage Full time

Senior Mortgage Underwriter Job OpportunityWe are seeking a seasoned Mortgage Underwriter to leverage their expertise in US mortgage underwriting, with a strong grasp of US Residential mortgage and experience in underwriting processes & guidelines.Candidate should have total 4+ years of experience in US mortgage underwriting.Sound knowledge of US Residential mortgage.Exposure to Underwriting processes & guidelines.Excellent critical thinking, problem-solving, and sound judgment. Analysis and calculation of qualifying income from Salaried various tax documents such as 1040s, Schedule E, 1065, 1120, 1120S, K1, transcripts, etc.Well-versed with FNMA, FHLMC, knowledge of GNMA, and investor guidelines is an additional benefit.Should have good analytical and problem-solving skills.Should have decision-making skill when applying business judgment.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 (4Cs of Underwriting) to determine the credit worthiness of a customer.Validating and processing the Loan documents on behalf of a Mortgage lender organization.Evaluating evidence of borrower's willingness and ability to repay the obligation.Good communication, presentation skills, self-motivated, and hard working.


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