Financial Risk Evaluator

12 hours ago

Tiruppur, Tamil Nadu, India beBeeRisk Full time ₹ 10,00,000 - ₹ 15,00,000
U.S Mortgage Underwriter Job Role

A U.S Mortgage Underwriter plays a pivotal role in the mortgage lending process by evaluating the creditworthiness and risk profile of potential borrowers. This involves scrutinizing financial information, reviewing loan applications, and making informed decisions to approve, conditionally approve, or deny mortgage loans.

The position ensures that all loans conform to the company's lending standards and regulatory requirements. Key responsibilities include:

  1. Loan Application Review: Analyze and verify loan applications, ensuring all required documents are complete and accurate.
  2. Credit and Financial Analysis: Evaluate credit reports to determine the borrower's creditworthiness, analyze financial statements, tax returns, pay stubs, and other income documentation, calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios.
  3. Property Valuation Review: Review appraisals and alternative value products for conformity to assess the accuracy of property valuation.
  4. Compliance and Risk Assessment: Ensure loans comply with federal, state, and local regulations, adhere to company policies and guidelines, identify potential risks, and assess the overall risk level of the loan.
Essential Skills and Qualifications
  • Any bachelor's degree is acceptable.
  • Proven experience in mortgage processing or underwriting is required.
  • Strong knowledge of mortgage industry regulations and procedures is necessary.
  • Excellent analytical and problem-solving skills are essential.
  • Detail-oriented with exceptional organizational abilities is vital.
  • Proficiency in using mortgage processing software and financial tools is mandatory.
  • Effective communication and interpersonal skills are required.
  • Ability to work efficiently under pressure and meet tight deadlines is necessary.
  • Solid understanding of financial statements and credit reports is beneficial.
  • Certification in mortgage underwriting or related fields is advantageous.

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