Mortgage Credit Specialist

2 weeks ago


anand, India beBeeUnderwriter Full time

Position OverviewAbout the RoleWe are seeking an experienced Senior Mortgage Underwriter to fill a critical position within our organization.The ideal candidate will possess 5+ years of US mortgage underwriting experience and a solid understanding of FNMA, FHLMC, GNMA, and investor guidelines.Responsibilities include:Evaluating complete loan documents and rendering approval or denial decisionsCompleting thorough review of credit reports to verify trade lines, derogatory accounts, public records, and credit reconciliationAccurately calculating income from salaried, business, retired, and rental sourcesReviewing collateral and property valuationsVerifying assets, including bank statements, retirement accounts, mutual funds, and other investmentsConducting comprehensive credit analysis based on borrower's income, assets, liabilities, and collateral (4C of Underwriting) to determine credit worthinessValidating and processing loan documents on behalf of a mortgage lender organizationEvaluating evidence of borrower's willingness and ability to repay the obligationThis is an exciting opportunity for a skilled professional to contribute to the success of our organization.Key RequirementsCandidate should have total 5+ years of US mortgage underwriting experienceShould be well-versed with FNMA, FHLMC, knowledge of GNMA and investor guidelines is an additional benefitMust have excellent analytical and problem-solving skillsShould have strong decision-making skill when applying in business judgment



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