Financial Services Professional

2 weeks ago

Aurangabad, Maharashtra, India beBeeMortgage Full time ₹ 6,00,000 - ₹ 10,00,000
Mortgage Loan Underwriter Position

At the heart of our mortgage lending process lies a vital role, that of a Mortgage Loan Underwriter. This individual is entrusted with reviewing and evaluating loan applications to ensure compliance with regulatory requirements and internal policies.

The Conventional Underwriter plays a pivotal role in our organization, tasked with examining all documentation for accuracy and completeness. With meticulous attention to detail, they scrutinize each application to minimize risk factors and guarantee adherence to guidelines.

This position demands a deep understanding of Lending & Underwriting Guidelines, Credit & Income Analysis, Cash Flow Analysis, Risk Assessment, Loan-to-Value Ratios, and Debt-to-Income Ratios. The ideal candidate will possess a keen analytical mind and exceptional organizational skills.

Responsibilities:

  • Review Initial Application: Verify loan, property, borrowers' information with other available documents, Verify borrower's monthly income and expenses, Verify other relevant sections.
  • Review Documents: Borrower's Credit, Capacity, Collateral, and Capital.
  • Calculate Asset Required: For closing and reserve purpose for the transaction (as per guideline).
  • Making Independent Decisions: Regarding acceptance and risk of loans according to HUD, company, and investor guidelines.
  • Provides Final Approval: Underwriting of mortgage loans.

We are seeking an experienced professional with a degree or equivalent, and a minimum 3 years of experience in conventional/govt end to end underwriting. Knowledge of the 4C's of Underwriting (Asset, Income, Credit, and Collateral) is essential. Strong communication skills and the ability to work effectively with staff and management are also required.

Required Skills and Qualifications:

  • Strong analytical and problem-solving skills.
  • Excellent organizational and time management skills.
  • Ability to work effectively in a team environment.
  • Strong communication and interpersonal skills.
  • Familiarity with Encompass and other relevant software systems.

Benefits:

  • A competitive salary package.
  • Ongoing training and development opportunities.
  • A dynamic and supportive work environment.

Others:

  • Maintain high levels of customer service and communication with other departments.
  • Responsible for completing all required paperwork and forms in a timely and accurate manner.

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