Loan Decision Specialist

1 day ago


Kannur, Kerala, India beBeeRiskAssessment Full time ₹ 6,50,000 - ₹ 7,00,000
Loan Decision Specialist

We are seeking a seasoned loan decision specialist to join our organization. As a senior underwriter, you will be responsible for evaluating borrower profiles and conducting credit reports to assess risk.

The ideal candidate will have at least 3.5 years of relevant experience in underwriting, with a strong understanding of credit report reviews, debt-to-income ratios, loan-to-value assessments, and income calculations.

You will work on both UK mortgage and US mortgage underwriting, ensuring compliance with internal policies and regulatory guidelines.

  • Evaluate borrower profiles using the 4 Cs of Credit – Character, Capacity, Capital, and Collateral.
  • Conduct detailed credit report reviews for accurate risk assessment.
  • Work on income calculation (bi-weekly, monthly, quarterly), debt-to-income ratio assessment, loan-to-value ratio evaluation, asset calculation, and PITI review.
  • Collaborate with internal teams to ensure smooth processing and decision-making.

Requirements:

  • Minimum 3.5 years of underwriting experience.
  • Experience in the UK mortgage process or the US mortgage underwriting – both will be considered.
  • Strong knowledge of credit report review, DTI, LTV, PITI, income & asset calculations.
  • Excellent analytical and decision-making skills with high accuracy.

Benefits:

  • Opportunity to work on challenging cases.
  • Career growth, continuous learning, and a supportive team culture.


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