Insurance Risk Manager

3 days ago

Bengaluru, Karnataka, India beBeeRisk Full time ₹ 15,00,000 - ₹ 25,00,000

Job Title: Insurance Risk Manager

Overview of the Role

We are looking for experienced professionals to manage the underwriting process, evaluate loan applications, and ensure compliance with regulatory guidelines.

  • End-to-End (E2E) Underwriting:
    • Manage the entire underwriting process from initial assessment to final decision.
    • Evaluate loan applications, credit reports, and borrower documentation to ensure compliance with company and investor guidelines.
  • Income Review:
    • Analyze borrower income documents such as pay stubs, tax returns, and bank statements for accuracy and compliance.
    • Ensure income calculations align with regulatory standards.
  • Collateral Evaluation:
    • Assess appraisal reports and property valuations to determine adequacy of collateral.
    • Ensure appraisals meet investor and program guidelines.
  • Non-QM Underwriting:
    • Underwrite Non-QM and Non-Agency loan products, including bank statement analysis, asset depletion, and DSCR No Ratio loans.
    • Maintain an underwriting pipeline that meets established service level agreements.

Candidates should possess a minimum of 2 years of experience in underwriting roles and demonstrate flexibility to work night shifts.

Key Responsibilities

The selected candidates will be responsible for managing the underwriting process, evaluating loan applications, collaborating with cross-functional teams, and ensuring compliance with regulatory guidelines.

Income Review Specialists will analyze borrower income documents, ensure income calculations align with regulatory standards, and provide recommendations for income optimization.

Collateral Evaluators will assess appraisal reports, ensure appraisals meet investor and program guidelines, and identify potential risks associated with property collateral.

Non-QM Underwriters will underwrite Non-QM and Non-Agency loan products, maintain an underwriting pipeline, and review complex borrower profiles and financial documents.

Required qualifications include a minimum of 2 years of experience in underwriting roles, strong analytical and decision-making skills, proficiency in interpreting financial documents and appraisal reports, excellent communication and collaboration abilities, and flexibility to work night shifts.

This role offers a competitive compensation package and opportunities for professional growth and development.

We are an equal opportunity employer and welcome applications from diverse candidates.

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