Loan Review Specialist

22 hours ago

Mangalore, Karnataka, India beBeeMortgage Full time ₹ 6,00,000 - ₹ 10,00,000
Senior Underwriter Role

The Senior Underwriter is a critical position responsible for reviewing mortgage files submitted to Underwriting, calculating income, analyzing debt and assets, and completing an in-depth review of the completed appraisal and title.

This role involves entering data into the client's loan operating system, utilizing an automated underwriting system to determine approval and clearing conditions for Final Approval.

Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills.

Key Responsibilities:
  • Perform a thorough and detailed review of mortgage loan files including income, assets, credit, and collateral
  • Utilize the client's loan operating system to ensure accurate data entry
  • Underwrite loans in accordance with client guidelines, utilizing AUS or manual guidelines
  • Evaluate and ensure overall loan documents are accurate, complete, and compliant
  • Able to identify and/or clear red flags or alerts
  • Issue loan decision and condition file accordingly
  • Review and approve conditions for compliance and completion of loan file
  • Provide exceptional customer service to internal and external clients
  • Maintain current knowledge of client and investor requirements
  • Resolve pre and post-closing issues as they relate to underwriting
  • Assist Processors/Loan Officers in understanding underwriting decisions and conditions
Required Skills and Qualifications:
  • Minimum 2+ years current conventional mortgage loan underwriting experience
  • Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags
  • Basic knowledge of appraisal and ability to recognize red flags and ineligible properties
  • Thorough working knowledge of GSE underwriting guidelines and automated underwriting engines (DU/LP)
  • Strong analytic, interpersonal, and verbal and written communication skills
  • Detail-oriented with strong ability to time manage
  • Able to work in a flexible and production-oriented environment
  • Must be willing and able to work as part of a team
  • Strong capability to work in multiple systems - paperless environment
  • Must be willing to work in strict security environment
  • NMLS-MLO Licensure preferred

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