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22 hours ago
The role of a Financial Risk Analyst - Mortgage Underwriter involves evaluating borrower profiles to assess their creditworthiness. This position requires in-depth knowledge of the 4Cs of Credit: Character, Capacity, Capital, and Collateral.
A successful candidate will have strong analytical and decision-making skills, with excellent attention to detail and high accuracy. Experience in mortgage underwriting, including income calculation, debt-to-income ratio assessment, loan-to-value ratio evaluation, asset calculation, and PITI review, is essential.
This position also involves working collaboratively with internal teams to ensure smooth processing and decision-making. A strong understanding of regulatory guidelines and compliance with internal policies is crucial.
Key Responsibilities:- Evaluate borrower profiles using the 4 Cs of Credit.
- Conduct detailed credit report reviews for accurate risk assessment.
- Work on both UK mortgage and US mortgage underwriting.
- Ensure compliance with regulatory guidelines and internal policies.
- Collaborate with internal teams for smooth processing and decision-making.
- Minimum 3.5 years of experience in mortgage underwriting.
- Strong knowledge of credit report reviews, DTI, LTV, PITI, income, and asset calculations.
- Excellent analytical and decision-making skills with high accuracy.
- Comfortable working in a dynamic environment.
- Strong communication and stakeholder management skills.
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