Mortgage Credit Risk Analyst

3 days ago


varanasi, India beBeeUnderwriter Full time

Career Summary:As a seasoned underwriting professional, you will play a crucial role in evaluating complete loan documents and making informed decisions regarding approval or denial. Your expertise will be instrumental in ensuring that all creditworthiness evaluations are thorough and accurate.Key Skills and Qualifications:Minimum 3+ years of US mortgage underwriting experience.Well-versed in FNMA, FHLMC guidelines, with knowledge of GNMA and investor guidelines as an added benefit.Excellent analytical and problem-solving skills, with the ability to make sound business judgments.Ability to evaluate trade lines, derogatory accounts, public records, and credit reconciliation in complete loan documents.Proficient in income calculation, including salaried income, business income, retired other income, and rental income.Collateral review, property valuation, and assets verification, including bank account statements, retirement accounts, mutual funds, and other investments.Credit analysis based on borrower's Income, Asset, Liability, and Collateral (4C of Underwriting) to determine credit worthiness.Validating and processing loan documents on behalf of a Mortgage lender organization.Benefits:Good communication and presentation skills.Self-motivated and hard working.


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