Mortgage Financial Specialist

1 day ago


Chennai, Tamil Nadu, India beBeeMortgage Full time ₹ 9,00,000 - ₹ 12,00,000
Job Title: Mortgage Financial Specialist

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

Key Responsibilities:
  • Conduct thorough analyses and verifications of loan applications to ensure completeness and accuracy of required documents.
  • Evaluate borrower credit history, employment status, income levels, and debt profiles.
  • Review appraisal reports to confirm property values.
  • Assess credit reports to determine borrower creditworthiness.
  • Analyse financial statements, tax returns, pay stubs, and other income documentation to identify potential risks and assess overall loan risk levels.
  • Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios to ensure loans comply with regulations and company policies.
  • Verify conformity of appraisals and alternative value products to client-specified requirements.
  • Ensure all federal, state, and local regulations are met.
  • Adhere to company policies and guidelines.
Essential Skills and Requirements:
  • Bachelor's degree in finance or related field.
  • Proven experience in mortgage processing or underwriting.
  • Strong knowledge of mortgage industry regulations and procedures.
  • Excellent analytical and problem-solving skills.
  • Attention to detail 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.


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