U.S. Residential Loan Risk Manager

1 week ago

Vizag, Andhra Pradesh, India beBeeMortgage Full time ₹ 5,00,000 - ₹ 10,00,000

Mortgage Underwriter

This role is pivotal in the mortgage lending process, requiring a thorough assessment of potential borrowers' creditworthiness and risk profile.

Key responsibilities include:

  • Loan Application Review: Carefully examining and verifying loan applications to ensure all required documents are complete and accurate.
  • Credit and Financial Analysis: Evaluating credit reports to determine borrowers' creditworthiness, analyzing financial statements, tax returns, pay stubs, and other income documentation, calculating debt-to-income (DTI) ratios and loan-to-value (LTV) ratios.
  • Property Valuation Review: Reviewing appraisals and alternative value products for conformity to client-specified requirements to assess the accuracy of property valuation.

Compliance and Risk Assessment:

Ensuring loans comply with all federal, state, and local regulations, adhering to policies and guidelines, identifying potential risks and assessing the overall risk level of the loan.

Required skills and qualifications include:

  • A bachelor's degree or equivalent experience.
  • Proven experience in mortgage processing or underwriting.
  • Strong knowledge of mortgage industry regulations and procedures.
  • Excellent analytical and problem-solving skills.
  • Detail-oriented with exceptional organizational abilities.
  • Proficiency in using mortgage processing software and financial tools.
  • Effective communication and interpersonal skills.
  • Ability to work efficiently under pressure and meet tight deadlines.
  • Solid understanding of financial statements and credit reports.

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