Senior Financial Risk Analyst

3 weeks ago


Chennai, Tamil Nadu, India 2coms Full time
About the Opportunity

We are seeking a talented Senior Financial Risk Analyst to join our 2coms team in Chennai or Hyderabad. As a US Residential Mortgage Underwriter, you will be responsible for manually underwriting complex transactions to ensure loans meet established guidelines. Our ideal candidate will have 3+ years of experience in US Residential Mortgage Underwriting and be flexible with shift timings. Must be ready to relocate to Chennai and available for immediate joining.

Key Responsibilities
  • Ability to manually underwrite complex transactions to ensure the loan meets established guidelines
  • Review the Employment Guideline Requirements
  • Perform Income calculations (salaried / Self-employed / Rental / Other Incomes)
  • Validate all types of Assets including 401K, Bank Statements, Mutual funds, etc.
  • Usage of Assets against Income requirement/qualification
  • Calculate Debt-to-Income Ratio, Loan-to-value Ratio, Housing Payment
  • Review appraisal and perform Property Valuation and use property valuation tools
  • Review Credit Reports including Credit Scores, Existing liens, payments, etc.
  • Should also review the alternate / support documents for credit review Title review and lien validations
  • Review loan details in Loan applications, Letters of explanation, and gift letters
  • Income verification on Bank statement loans
  • Client-specific guideline review with alternate documentation
  • Understanding of Counter offer and Solutions to the loan
  • Review of compliance documents


RequirementsMust have 2+ experience into US Residential Mortgage Underwriting

Must be flexible with the shift timings

Must be ready to relocate to Chennai

Must be available for immediate joining only

Requirements
Requirements Must have 2+ experience into US Residential Mortgage Underwriting Must be flexible with the shift timings Must be ready to relocate to Chennai Must be available for immediate joining only

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