Financial Risk Analyst

2 weeks ago

Gulbarga, Karnataka, India beBeeUnderwriter Full time ₹ 90,00,000 - ₹ 1,20,00,000

As a key player in our organization, you will be responsible for reviewing and analyzing mortgage loan applications to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors.

Key responsibilities include reviewing all required loan data, reports, and inspections to insure the collateral is acceptable to investors and the company. This also includes knowledge of lending & underwriting guidelines, credit & income analysis, cash flow analysis, risk assessment, loan-to-value ratios, and debt-to-income ratios.

You will review initial applications, verify loan, property, borrowers' information with other available documents, verify borrower's monthly income and expenses, and verify other relevant sections. Additionally, you will review all documents related to borrowers' credit, capacity, collateral, and capital.

Responsibilities also include calculating assets required for closing and reserve purposes for the transaction (as per guideline), making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines, providing final approval underwriting of mortgage loans, and completing all required paperwork and forms in a timely and accurate manner.

Effective communication with processors and advisors is crucial, as well as maintaining a high level of customer service and communication with other departments.

Requirements include a degree or equivalent and minimum 3 years of experience in conventional/govt end-to-end underwriting. You must be well-versed with all 4Cs of Underwriting (Asset, Income, Credit, and Collateral).

Required Skills:
  • 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.
Benefits:

This role offers a dynamic work environment, opportunities for growth and development, and a competitive compensation package.

Others:

We are an equal opportunity employer and welcome diverse candidates to apply. We look forward to hearing from you

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