U.S. Mortgage Loan Specialist

11 hours ago

Tirupati, Andhra Pradesh, India beBeeMortgage Full time ₹ 8,00,000 - ₹ 12,00,000

Key role in mortgage lending process, Mortgage Underwriter assesses borrowers' creditworthiness and risk profiles by analyzing financial information, reviewing loan applications, and making informed decisions to approve, conditionally approve, or deny mortgage loans.

Ensures all loans meet company's lending standards and regulatory requirements.

  • Loan Application Review:
    • Analyses and verifies loan applications, ensuring all required documents are complete and accurate.
    • Assesses borrower's credit history, employment, income, and debt levels.
    • Confirms property's value through appraisal reports.
  • Credit and Financial Analysis:
    • Evaluates credit reports to determine borrower's creditworthiness.
    • Analyses financial statements, tax returns, pay stubs, and other income documentation.
    • Calculates debt-to-income (DTI) ratios and loan-to-value (LTV) ratios.
  • Property Valuation Review:
    • Reviews appraisals and alternative value products for conformity to client-specified requirements to assess the accuracy of property valuation.
  • Compliance and Risk Assessment:
    • Ensures loans comply with all federal, state, and local regulations.
    • Adheres to company policies and guidelines.
    • Identifies potential risks and assesses overall risk level of loan.
Required Skills and Qualifications

Key skills and qualifications include:

  • Bachelor's degree
  • 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
  • Certification in mortgage underwriting or related fields is a plus

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