Mortgage Loan Underwriter Position

2 days ago

Chennai, Tamil Nadu, India beBeeSeniorUnderwriter Full time ₹ 20,00,000 - ₹ 25,00,000

Job Title: Senior Underwriter

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About the Role: The primary responsibilities of a Mortgage Loan Underwriter include reviewing mortgage files submitted to Underwriting. This position requires calculating income, analyzing debt and assets, as well as completing an in-depth review of the completed appraisal and title.

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Key Responsibilities:

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  • Perform a complete and in-depth review of mortgage loan files including income, assets, credit and collateral">
  • Utilize the client's loan operating system to ensure accurate data entry">
  • Underwrite loans in accordance with client guidelines, utilizing Automated Underwriting Systems or manual guidelines">
  • Evaluate and ensure overall loan documents are accurate, complete, and compliant">
  • Ability to identify and/or clear red flag or alerts">
  • Issue loan decision and condition file accordingly">
  • Review and approve conditions for compliance and completion of loan file">
  • Provide excellent 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 stress environment while delivering a high-level of customer service">
  • Ability to work more than 40 hours, on an as needed basis">
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Required Skills and Qualifications:

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  • Minimum 2+ years current conventional mortgage loan underwriting experience">
  • 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">
  • 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">
  • NMLS-MLO Licensure preferred">
  • Candidates must be available to work outside of normal business hours when necessary">
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Benefits:

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The successful candidate will have the opportunity to work in a dynamic and fast-paced environment, providing excellent customer service and contributing to the success of our organization.

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What We Offer:

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A competitive compensation package, comprehensive benefits, and opportunities for career growth and development.

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