Senior Mortgage Loan Analyst

4 days ago

Varanasi, Uttar Pradesh, India beBeeMortgage Full time ₹ 12,00,000 - ₹ 20,00,000
Job Title:

A Mortgage Financing Specialist plays a pivotal role in the mortgage lending process by assessing creditworthiness and risk profiles of potential borrowers.

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

This role ensures that all loans meet stringent lending standards and regulatory requirements.

Key Responsibilities:
  • Loan Application Review:
    • Examine and verify loan applications, ensuring completeness and accuracy of required documents.
    • Evaluate borrower's credit history, employment, income, and debt levels.
    • Confirm property value through appraisal reports.
  • Credit and Financial Analysis:
    • Assess credit reports to determine 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 property valuation accuracy.
  • Compliance and Risk Assessment:
    • Ensure loans comply with federal, state, and local regulations.
    • Adhere to established policies and guidelines.
    • Identify potential risks and assess overall risk level of the loan.
Essential Skills and Qualifications:
  • Bachelor's degree in a relevant field.
  • 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 advantageous.

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