Mortgage Loan Credit Analyst

2 days ago

Coimbatore, Tamil Nadu, India beBeeSenior Full time ₹ 12,00,000 - ₹ 15,00,000

Job Opportunity: Senior Mortgage Loan Underwriter

About the Role:

We are seeking a skilled mortgage loan underwriter to fill this key position. The ideal candidate will have extensive experience in conventional mortgage loan underwriting and expertise in working with automated underwriting systems.

Responsibilities:
  • Conduct thorough reviews of mortgage loan files, including income verification, asset analysis, credit evaluation, and collateral assessment
  • Maintain accurate data entry using client's loan operating system
  • Underwrite loans in accordance with client guidelines, utilizing AUS or manual guidelines as necessary
  • Evaluate and ensure overall loan documents are accurate, complete, and compliant with relevant regulations
  • Identify and resolve red flags or alerts that may impact loan approval
  • Issue loan decisions and condition files accordingly
  • Review and approve conditions for compliance and completion of loan files
  • Provide exceptional customer service to internal and external clients
  • Stay up-to-date on client and investor requirements
  • Resolve pre and post-closing issues related to underwriting
  • Support Processors/Loan Officers in understanding underwriting decisions and conditions
Requirements:
  • Minimum 2+ years of 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 GSE underwriting guidelines and automated underwriting engines (DU/LP)
  • Strong analytical, interpersonal, and verbal and written communication skills
  • Detail-oriented with strong time management abilities
  • Ability to work in a flexible and production-oriented environment
  • Must be willing and able to work collaboratively as part of a team
  • Strong capability to work in multiple systems - paperless environment
  • NMLS-MLO Licensure preferred

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