Financial Credit Specialist

2 weeks ago

Pune, Maharashtra, India beBeeMortgage Full time ₹ 80,00,000 - ₹ 1,50,00,000

The role of a Residential Mortgage Underwriter is to critically assess the creditworthiness of loan applicants and properties ensuring all loans meet guidelines and regulatory requirements.

Key Responsibilities:
  • Credit Analysis: Perform comprehensive analysis of borrower profiles including credit reports debt-to-income ratios, and payment history.
  • Property Analysis: Conduct reviews of property appraisals to confirm valuation condition, and marketability.
  • Document Verification: Re-verify and evaluate income, asset, and credit documents for accuracy and consistency with underwriting guidelines.
  • Loan Document Review: Review all subsequent loan documents received post-processing for accuracy and completeness.
  • Condition Generation: Clearly define and add conditions necessary for loan approval, communicating effectively.
  • Decisioning: Make decisions on loan applications (approve, conditionally approve, or deny) based on analysis and adherence to guidelines.
  • Underwriting Memo Completion: Complete detailed Memos documenting rationale for loan decisions and conditions.
  • Regulatory Adherence: Strictly adhere to compliance policies ensuring all operations meet regulatory requirements.

The ideal candidate will possess analytical and decision-making skills thorough knowledge of federal and state lending regulations, and ability to work independently and manage a pipeline efficiently. Strong written communication skills are required.

Requirements:
  • Proven experience as Mortgage Underwriter with strong understanding of conventional, FHA/VA loan programs.
  • Expertise in credit analysis income/asset calculation, appraisal review.
  • Exceptional analytical and decision-making skills.
  • Thorough knowledge of federal and state mortgage lending regulations.
  • Ability to work independently and manage a pipeline efficiently.
  • Strong written communication skills.

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