Insurance Risk Evaluator

2 days ago

Tiruppur, Tamil Nadu, India beBeeSenior Full time ₹ 10,00,000 - ₹ 20,00,000

About the Opportunity:

This role focuses on reviewing mortgage files submitted for Underwriting.

The ideal candidate will have expertise in calculating income, analyzing debt and assets, as well as completing a thorough review of the appraisal report and title document.

Key Responsibilities:

  • Conduct a comprehensive and detailed 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 (AUS) 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.

Qualifications:

  • Minimum 2+ years current conventional mortgage loan underwriting experience.

Required 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 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.
  • NMLS-MLO Licensure preferred.
  • Candidates must be available to work outside of normal business hours when necessary.

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