Senior Mortgage Specialist

1 day ago

Hubli, Karnataka, India beBeeMortgage Full time ₹ 4,50,000 - ₹ 9,00,000

A key role in the mortgage lending process, Mortgage Underwriter assesses creditworthiness and risk profile of potential borrowers. Analyzing financial information, reviewing loan applications, and making informed decisions to approve, conditionally approve, or deny mortgage loans ensures all loans meet lending standards and regulatory requirements.

Key Responsibilities:

  • Analyse and verify loan applications, ensuring completeness and accuracy.
  • Assess borrower's credit history, employment, income, and debt levels.
  • Confirm property's value through appraisal reports.

Credit and Financial Analysis:

  • Evaluate credit reports to determine borrower's creditworthiness.
  • Analyse financial statements, tax returns, pay stubs, and other income documentation.
  • Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios.

Property Valuation Review:

  • Review appraisals and alternative value products for conformity to client-specified requirements to assess the accuracy of the property valuation.

Compliance and Risk Assessment:

  • Ensure loans comply with all federal, state, and local regulations.
  • Adhere to company policies and guidelines.
  • Identify potential risks and assess overall risk level of the loan.

Essential Skills and Requirements:

  • Bachelor's degree in any field.
  • 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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