Senior Risk Analyst

3 weeks ago


Chennai, Tamil Nadu, India 2coms Full time
About the Role

We are seeking a highly skilled Senior Underwriter to join our team at 2coms. As a key member of our mortgage underwriting team, you will be responsible for manually underwriting complex transactions to ensure loans meet established guidelines.

  • Utilize expertise to review employment guideline requirements and perform income calculations (salaried, self-employed, rental, and other incomes).
  • Validate various assets, including 401K, bank statements, mutual funds, and usage of assets against income requirements.
  • Calculate debt-to-income ratio, loan-to-value ratio, and housing payment.
  • Review appraisal, perform property valuation, and utilize property valuation tools.
  • Examine credit reports, including credit scores, existing liens, payments, and review alternate/support documents for credit review.
  • Analyze loan details in loan applications, letters of explanation, and gift letters.
  • Verify income on bank statement loans and review client-specific guidelines with alternate documentation.
  • Understand counteroffers and solutions to the loan.
  • Review compliance documents.

Requirements

  • Must have 2+ years of experience in US Residential Mortgage Underwriting.
  • Must be flexible with shift timings.
  • Must be ready to relocate to Chennai.
  • Must be available for immediate joining.



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