Senior Risk Evaluator

3 days ago


Jaipur, Rajasthan, India beBeeRiskEvaluator Full time ₹ 10,00,000 - ₹ 15,00,000
Job Title: Senior Risk Evaluator

The primary responsibilities of the Senior Risk Evaluator include thoroughly examining mortgage files submitted for underwriting review. This position requires expertise in calculating income, analyzing debt and assets, as well as conducting a comprehensive review of completed appraisals and titles.

Additional responsibilities include accurately entering data into the client's loan operating system, utilizing an automated underwriting system to determine approval and clearing conditions for Final Approval.

  • Perform a thorough and comprehensive review of mortgage loan files including income, assets, credit, and collateral
  • Utilize the client's loan operating system to ensure accurate data entry
  • Underwrite loans in accordance with client guidelines, utilizing AUS or manual guidelines
  • Evaluate and ensure overall loan documents are accurate, complete, and compliant
  • Ability to identify and/or clear red flags or alerts
  • Issue loan decision and condition file accordingly
  • Review and approve conditions for compliance and completion of loan file
  • Provide exceptional customer service to internal and external clients
  • Maintain current knowledge of client and investor requirements
  • Resolve pre and post-closing issues as they relate to underwriting
  • Assist Processors/Loan Officers in understanding underwriting decisions and conditions
  • Must be able to work in a high stress environment while delivering a high-level of customer service

Responsibilities also include working more than 40 hours on an as needed basis.

Requirements

To be successful in this role, candidates must have:

  • A minimum 2+ years current conventional mortgage loan underwriting experience
  • Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags
  • Basic knowledge of appraisal and ability to recognize red flags and ineligible properties
  • Thorough working knowledge of GSE underwriting guidelines and automated underwriting engines (DU/LP)
  • Strong analytic, interpersonal, and verbal and written communication skills
  • Detail-oriented with strong ability to time manage
  • Ability to work in a flexible and production-oriented environment
  • Must be willing and able to work as part of a team
  • Strong capability to work in multiple systems - paperless environment
  • Must be willing to work in strict security environment
  • NMLS-MLO Licensure preferred

Candidates must be available to work outside of normal business hours when necessary.



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