Mortgage Loan Analyst

14 hours ago


Belgaum, Karnataka, India beBeeCredit Full time ₹ 70,00,000 - ₹ 1,25,00,000
Job Description

The Conventional Mortgage Underwriter plays a critical role in ensuring the accuracy and completeness of mortgage loan applications. This individual reviews, conditions, and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines.

Key Responsibilities:
  • Review and analyze mortgage loan applications 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 ensure the collateral is acceptable to investors and the company.
  • Knowledge of lending & underwriting guidelines | credit & income analysis | cash flow analysis | risk assessment | loan-to-value ratios | debt-to-income ratios
Requirements:
  • Minimum 3 years of experience in conventional/govt end-to-end underwriting.
  • Degree or equivalent
  • Well-versed with all 4Cs of underwriting (asset, income, credit, and collateral)

The ideal candidate will have expertise in 4Cs framework (credit, capacity, collateral, and capital), familiar with credit report analysis & LOX (letter of explanation).

This position requires excellent analytical and problem-solving skills, as well as strong communication and customer service skills.



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