Mortgage Loan Reviewer

1 day ago


Thiruvananthapuram, Kerala, India beBeeLoan Full time ₹ 12,00,000 - ₹ 18,00,000
Conventional Mortgage Loan Underwriter

This is a high-level position that involves reviewing and underwriting mortgage loans to ensure compliance with established policies and procedures.

The Conventional Underwriter will be responsible for examining all documentation for accuracy and completeness, ensuring that all required loan data, reports, and inspections are reviewed and verified. The ideal candidate will have excellent analytical skills and be well-versed in the 4C's framework (Credit, Capacity, Collateral and Capital).

A strong understanding of credit report analysis, LOX, and various account types is also required. Additionally, the candidate should have experience in live underwriting & Real Time Analysis, Income Calculation, and Debt-to-Income(DTI) Ratio Calculation.

Key Responsibilities:

  • Review and analyse mortgage loan applications to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors.
  • Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor and the company.
  • Perform credit and income analysis, cash flow analysis, risk assessment, loan-to-value ratios, and debt-to-income ratios.
  • Calculate asset required for closing and reserve purpose for the transaction (as per guideline)
  • Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines.
  • Provides final approval underwriting of mortgage loans.
  • Completes all required paperwork and forms in a timely and accurate manner; prepares required forms.

Qualifications and Experience:

  • Degree or Equivalent
  • Minimum 3 years of experience in conventional/govt end to end underwriting.
  • Well-versed with all 4C's of Underwriting (Asset, Income, Credit and Collateral)


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