Highly Skilled Mortgage Professional
7 days ago
The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness.
\Experience:
\- 4years and above
Education Qualification:
\- Degree Or Equivalent
Preference:
\- US Mortgage Process (Only Night Shifts)
- Work From Home/Remote
Key Required Skills:
\- Candidate must have experience in live underwriting & Real Time Analysis.
- Excellent at Income Calculation and Debt-to-Income(DTI) Ratio Calculation.
- Expertise in 4C's framework (Credit, Capacity, Collateral and Capital),
- Familiar in Credit report Analysis & LOX (Letter of Explanation).
- Knowledge on Credit Bureau, Documents to approve the loan, Familiar with different account types.
Job Roles and Responsibilities:
\- Review and analyse the mortgage loan application 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.
- Knowledge of Lending & Underwriting Guidelines | Credit & Income Analysis | Cash Flow Analysis | Risk Assessment | Loan-to-Value Ratios | Debt-to-Income Ratios
- Review Initial application - Verify loan, property, borrowers' information with other available documents - Verify borrower's monthly income and expenses - Verify other relevant sections. …
- Review all the documents related to borrower's Credit, Capacity, Collateral and Capital.
- 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.
- Sign off conditions in a timely manner set by management.
- Work with staff and management to find solutions on escalated loans.
- May be requested to make recommendations for improving Internal Audit's policies and practices.
- Manage loans by using all functions of Encompass.
- Effectively communicate underwriting decisions with processors and advisors
- Maintain high level of customer service and communication with other departments.
- Other duties as assigned. Qualification & 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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