Mortgage Risk Analyst

2 days ago

Chennai, Tamil Nadu, India beBeeRisk Full time ₹ 60,00,000 - ₹ 1,50,00,000
Job Title: Mortgage Risk Analyst

We are seeking dedicated and detail-oriented professionals to analyze and verify mortgage loan applications ensuring all required documentation is complete and accurate. The role is critical in maintaining the integrity and compliance of the mortgage lending process.

Key Responsibilities:
  • Analyze borrower profiles including credit history, employment, income, and existing debt obligations to ensure they meet the required criteria.
  • Review property values through appraisal reports and alternative valuation tools to determine their accuracy.
Credit & Financial Analysis:
  • Assess credit reports to evaluate borrower creditworthiness.
  • Analyze financial statements, tax returns, pay stubs, and other supporting income documents to determine their authenticity.
  • Calculate Debt-to-Income (DTI) and Loan-to-Value (LTV) ratios accurately to ensure borrowers meet the required standards.
Property Valuation Review:
  • Evaluate appraisal reports and alternative value products for compliance with industry requirements.
  • Ensure property valuations are reliable and accurate to prevent potential risks.
Compliance & Risk Assessment:
  • Verify that all loans comply with federal, state, and local mortgage regulations.
  • Follow industry policies, investor guidelines, and client-specific requirements to ensure adherence.
  • Identify potential risks and assess the overall risk profile of mortgage applications to mitigate any adverse effects.
Essential Skills & Qualifications:
  • Bachelor's degree in Commerce, Business, Finance, or a related field.
  • Prior experience in mortgage underwriting, processing, or due diligence (minimum 6 months).
  • Strong knowledge of mortgage regulations, compliance requirements, and industry best practices.

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