Senior Credit Analyst

7 days ago

Amrāvati, Maharashtra, India beBeeMortgageUnderwriter Full time ₹ 25,00,000 - ₹ 45,00,000
Job Title: Mortgage Underwriter

Mortgage underwriters play a vital role in the lending process by assessing borrowers' creditworthiness and risk profiles.

The position involves analyzing financial information, reviewing loan applications, and making informed decisions to approve, conditionally approve, or deny mortgage loans.

Key responsibilities include:

  • Loan Application Review:
    • Analyze and verify loan applications, ensuring all required documents are complete and accurate.
    • Assess the borrower's credit history, employment, income, and debt levels.
    • Confirm the property's value through appraisal reports.
  • Credit and Financial Analysis:
    • Evaluate credit reports to determine the borrower's creditworthiness.
    • Analyze financial statements, tax returns, pay stubs, and other income documentation.
    • Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios.
  • Property Valuation Review:
    • Review appraisals and alternative value products for conformity to client-specified requirements to assess the accuracy of the property valuation.
  • Compliance and Risk Assessment:
    • Ensure loans comply with all federal, state, and local regulations.
    • Adhere to company policies and guidelines.
    • Identify potential risks and assess the overall risk level of the loan.

Essential skills and qualifications include:

  • Any bachelor's degree.
  • Proven experience in mortgage processing or underwriting.
  • Strong knowledge of mortgage industry regulations and procedures.
  • Excellent analytical and problem-solving skills.
  • Detail-oriented with exceptional organizational abilities.
  • Proficiency in using mortgage processing software and financial tools.
  • Effective communication and interpersonal skills.
  • Ability to work efficiently under pressure and meet tight deadlines.
  • Solid understanding of financial statements and credit reports.
  • Certification in mortgage underwriting or related fields is a plus.

This role offers opportunities for professional growth and development in a dynamic and challenging environment.

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