Lead Mortgage Specialist

3 days ago


Kannur, Kerala, India beBeeMortgageUnderwriter Full time ₹ 69,38,000 - ₹ 1,21,19,000

Job Summary:

The Conventional Mortgage Loan Underwriter plays a critical role in ensuring the accuracy and completeness of mortgage loan applications.

As part of our team, you will be responsible for reviewing, analyzing, and underwriting mortgage loans to ensure compliance with established policies and procedures.

This is a challenging and rewarding opportunity for an experienced professional looking to make a real impact in the mortgage industry.

About the Role:

Review and analyze mortgage loan applications to ensure eligibility, accuracy, and completeness.

Examine all documentation for accuracy and completeness, and verify borrower's information.

Calculate asset requirements for closing and reserve purposes.

Make independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines.

Provide final approval underwriting of mortgage loans.

Manage loans by using all functions of Encompass.

Effectively communicate underwriting decisions with processors and advisors.

Maintain high level of customer service and communication with other departments.

Requirements:

Degree or Equivalent

Minimum 3 years of experience in conventional/govt end to end underwriting.

Well-versed with all 4C's of Underwriting (Asset, Income, Credit and Collateral)

Benefits:

Work from Home/Remote

Night Shifts

Opportunity to work with a dynamic team

Professional growth and development opportunities

Qualifications & Experience:

• Excellent analytical and problem-solving skills

• Strong attention to detail and ability to multitask

• Effective communication and interpersonal skills

• Ability to work in a fast-paced environment and meet deadlines

• Familiarity with mortgage lending and underwriting principles

• Knowledge of Lending & Underwriting Guidelines | Credit & Income Analysis | Cash Flow Analysis | Risk Assessment | Loan-to-Value Ratios | Debt-to-Income Ratios

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