Mortgage Loan Underwriter Specialist

2 days ago

Kanpur, Uttar Pradesh, India beBeeLoan Full time ₹ 10,00,000 - ₹ 20,00,000
Conventional Mortgage Loan Underwriter

At our institution, we are seeking a skilled Conventional Mortgage Loan Underwriter to join our team. This role will involve reviewing and analyzing mortgage loan applications to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines.

The ideal candidate will have experience in live underwriting and real-time analysis, as well as expertise in the 4C's framework (Credit, Capacity, Collateral, and Capital). They should also be familiar with credit report analysis and letter of explanation requirements.

Responsibilities will include:

  • Reviewing all required loan data, reports, and inspections to ensure collateral is acceptable to investors and the company.
  • Knowledge of lending and underwriting guidelines, including credit and income analysis, cash flow analysis, risk assessment, loan-to-value ratios, and debt-to-income ratios.
  • Reviewing initial applications to verify loan, property, borrowers' information, and other relevant sections.
  • Calculating assets required for closing and reserve purposes for transactions.
  • Making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines.
  • Providing final approval underwriting of mortgage loans.
  • Completing all required paperwork and forms in a timely and accurate manner.

Required qualifications include a degree or equivalent, minimum 3 years of experience in conventional/govt end-to-end underwriting, and well-versed knowledge of all 4C's of underwriting.

Benefits of this role include work-from-home/remote options, flexible scheduling, and opportunities for professional growth and development.

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