Mortgage Underwriter Associate

2 weeks ago

Chennai, Tamil Nadu, India WNS Global Services Full time

Mortgage Underwriting Associate Job Summary

The Mortgage Underwriting Associate evaluates and determines the eligibility of loan applications for residential mortgage (1-4 family) loans. This role involves analyzing and verifying loan applications, reviewing all 4 C's, evaluating risks, and making loan eligibility decisions. The incumbent ensures the accurate, efficient, and timely flow of information/documentation for offering quality and efficient services.

Key Responsibilities:

  • Knowledge of mortgage underwriting and Agency automated underwriting systems
  • Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines
  • Review all mortgage applications and documentation for accuracy and completeness
  • Review and analyze credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators
  • Review property documentation including title commitments, sales contracts, insurance, and flood determinations
  • Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud
  • Review and analyze appraisals for value and compliance with industry requirements
  • Demonstrate the ability to independently make sound decisions based on the creditworthiness of the applicants based on established underwriting guidelines, policies, procedures, knowledge, and experience
  • Provide exceptional customer care (both internal and external) in a manner that satisfies the individual needs of each customer and builds loyalty to the client
  • Maintain confidentiality of all customer and employee information
  • Respond positively to feedback and redirection
  • Fully utilize systems, tools, training, and resources provided to maximize potential
  • Assist other departments as needed
  • Meet daily production requirements
  • Meet daily SLA requirements
  • Meet daily Quality requirements

Qualifications:

  • Bachelor's degree in any stream
  • 2+ years' increasingly responsible experience in related areas
  • Experienced mortgage professional with 2-3 years with mortgage underwriting
  • Complete understanding of Conventional, FHA, and VA underwriting guidelines
  • Working knowledge of real estate lending criteria and federal, state, and agency compliance
  • Ability to multi-task and manage time efficiently
  • Strong organizational skills, attention to detail, and basic Microsoft Office skills
  • Good analytical and problem-solving skills
  • Strong organization and verbal and written communications skills
  • Highly adaptive and open to changes as the organization grows and its needs evolve

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