Experienced Mortgage Loan Specialist

6 days ago

Aurangabad, Maharashtra, India beBeeMortgage Full time ₹ 13,60,700 - ₹ 21,68,660

We are seeking a skilled and experienced Mortgage Underwriter to join our team. As a Senior Underwriter, you will play a vital role in ensuring the accuracy and compliance of mortgage loan files.

Job Description:

The primary responsibilities of this position include reviewing mortgage files submitted to Underwriting, calculating income, analyzing debt and assets, and completing an in-depth review of the completed appraisal and title. You will also be responsible for entering data into the client's loan operating system, utilizing an automated underwriting system to determine approval and clearing conditions for Final Approval.

Responsibilities:
  • Perform a thorough and detailed review of mortgage loan files, including income, assets, credit, and collateral.
  • Utilize the client's loan operating system to ensure accurate data entry and processing.
  • Underwrite loans in accordance with established guidelines, using AUS or manual methods as required.
  • Evaluate and ensure that all loan documents are accurate, complete, and compliant with regulatory requirements.
  • Identify and clear any red flags or alerts that may arise during the underwriting process.
  • Issue loan decisions and condition files accordingly, taking into account any necessary adjustments or modifications.
  • Review and approve conditions for compliance and completion of the loan file.
  • Provide exceptional customer service to both internal and external clients, addressing their needs and concerns in a timely and professional manner.
  • Maintain current knowledge of client and investor requirements, staying up-to-date on industry developments and best practices.
  • Resolve pre- and post-closing issues as they relate to underwriting, working closely with other teams to ensure seamless execution.
  • Assist Processors/Loan Officers in understanding underwriting decisions and conditions, providing guidance and support as needed.
  • Demonstrate adaptability and flexibility in a fast-paced environment, meeting deadlines and delivering high-quality results under pressure.

To be considered for this role, you must have a minimum of 2+ years of experience in conventional mortgage loan underwriting, with a strong background in income calculations, tax returns, credit reports, and GSE underwriting guidelines. Strong analytical, interpersonal, and verbal and written communication skills are essential, as is the ability to work in a team-oriented environment and manage multiple priorities effectively.

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