Senior Mortgage Specialist

4 days ago

Kozhikode, Kerala, India beBeeMortgage Full time ₹ 70,00,000 - ₹ 1,20,00,000
Job Description

The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness.

Responsibilities:

  • Review and analyse the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors.
  • Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor and the company.
  • Knowledge of Lending & Underwriting Guidelines | Credit & Income Analysis | Cash Flow Analysis | Risk Assessment | Loan-to-Value Ratios | Debt-to-Income Ratios

Key Responsibilities Include:

  • Initial Application Review: Verify loan, property, borrowers' information with other available documents. Verify borrower's monthly income and expenses. Verify other relevant sections.
  • Credit, Capacity, Collateral and Capital Review: Review all the documents related to borrower's Credit, Capacity, Collateral and Capital.
  • Asset Calculation: Calculate asset required for closing and reserve purpose for the transaction (as per guideline).
Requirements

To be successful in this role you will need:

  • Degree or Equivalent
  • Minimum 3 years of experience in conventional/govt end to end underwriting.
  • Well-versed with all 4C's of Underwriting (Asset, Income, Credit and Collateral)
Benefits

This position offers a range of benefits including:

  • Work from home/remote options.
  • Night shifts available.
Additional Information

Other duties as assigned.

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