Underwriting Lead

2 weeks ago


Bengaluru, Karnataka, India beBeeSpecialist Full time ₹ 12,00,000 - ₹ 15,00,000
Senior Underwriter Specialist

We are seeking experienced professionals proficient in end-to-end underwriting, income review, collateral underwriting, and non-QM underwriting.

Key Responsibilities:
  • End-to-End Underwriter
    • Manage the complete underwriting process from initial assessment to final decision.
    • Evaluate loan applications, credit reports, and borrower documentation to ensure compliance with company and investor guidelines.
    • Collaborate with cross-functional teams to streamline underwriting workflows.
  • Income Review Expert
    • Analyze borrower income documents such as pay stubs, tax returns, and bank statements for accuracy and compliance.
    • Ensure income calculations align with regulatory and investor standards.
    • Provide recommendations for income optimization based on comprehensive analysis.
  • Collateral Analyst
    • Assess appraisal reports and property valuations to determine adequacy of collateral.
    • Ensure appraisals meet investor and program guidelines.
    • Identify and mitigate potential risks associated with property collateral.
  • Non-QM Underwriting Specialist
    • Underwrite Non-QM and Non-Agency loan products, including bank statement analysis, asset depletion, and DSCR No Ratio loans.
    • Maintain an underwriting pipeline that meets established service level agreements.
    • Review and analyze complex borrower profiles and financial documents.
    Requirements:
    • A minimum of 2 years of experience in underwriting roles, specifically in E2E, income review, collateral, or non-QM underwriting.
    • Strong analytical and decision-making skills.
    • Proficiency in interpreting financial documents and appraisal reports.
    • Excellent communication and collaboration abilities.
    • Flexibility to work night shifts as required.


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