Loan Underwriter Expert

15 hours ago

Chennai, Tamil Nadu, India beBeeMortgage Full time ₹ 15,00,000 - ₹ 21,00,000

Job Opportunity

We are seeking a highly skilled Mortgage Loan Underwriter to join our team. The ideal candidate will have experience in reviewing mortgage files, calculating income, analyzing debt and assets, and completing an in-depth review of the completed appraisal and title.

Main Responsibilities:

  • Conduct thorough reviews of mortgage loan files, including income, assets, credit, and collateral
  • Ensure accurate data entry using client's loan operating system
  • Underwrite loans according to client guidelines, utilizing AUS or manual guidelines
  • Evaluate and ensure overall loan documents are accurate, complete, and compliant
  • Identify and 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 related to underwriting
  • Assist Processors/Loan Officers in understanding underwriting decisions and conditions

Requirements:

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

Necessary 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

Benefits:

  • Opportunity to work in a dynamic industry
  • Chance to develop new skills and expertise
  • Fast-paced and challenging work environment

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