Leading Mortgage Loan Analyst

3 days ago

Thiruvananthapuram, Kerala, India beBeeSenior Full time ₹ 60,00,000 - ₹ 75,00,000
Job Overview

The Senior Underwriter's primary role entails conducting a thorough examination of mortgage files submitted to Underwriting. This position demands calculating income, analyzing debt and assets, as well as undertaking an in-depth review of the completed appraisal and title.

Responsibilities:

  • Conduct a comprehensive and detailed review of mortgage loan files including income, assets, credit and collateral
  • Utilize client's loan operating system to ensure accurate data entry
  • Underwrite loans in accordance with client guidelines, utilizing Automated Underwriting Systems (AUS) or manual guidelines
  • Evaluate and ensure overall loan documents are accurate, complete, and compliant
  • Ability to identify and/or clear red flags or alerts
  • Issue loan decision and condition file accordingly
  • Review and approve conditions for compliance and completion of loan file
  • Provide exceptional customer service to internal and external clients
  • Maintain current knowledge of client and investor requirements
  • Resolve pre and post-closing issues as they relate to underwriting
  • Assist Processors/Loan Officers in understanding underwriting decisions and conditions
  • Must be able to work in a high-pressure environment while delivering a high-level of customer service

Requirements:

  • Minimum 2+ years current conventional mortgage loan underwriting experience

Key Skills:

  • Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags
  • Basic knowledge of appraisal and ability to recognize red flags and ineligible properties
  • Thorough working knowledge of Government Sponsored Enterprise (GSE) underwriting guidelines and automated underwriting engines (DU/LP)
  • Strong analytic, interpersonal, and verbal and written communication skills
  • Detail-oriented with strong ability to time manage
  • Ability to work in a flexible and production-oriented environment
  • Must be willing and able to work as part of a team
  • Strong capability to work in multiple systems - paperless environment
  • Must be willing to work in strict security environment
  • National Mortgage Licensing System - Multiple Licensee (NMLS-MLO) Licensure preferred
  • Candidates must be available to work outside of normal business hours when necessary

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