Senior Conventional Mortgage Loan Specialist

2 days ago

Belgaum, Karnataka, India beBeeMortgage Full time ₹ 1,50,00,000 - ₹ 1,98,00,000

Conventional Mortgage Underwriter

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This position involves reviewing and underwriting mortgage loans according to established policies and procedures, examining all documentation for accuracy and completeness. The Conventional Underwriter will also examine the loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors.

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The ideal candidate should have experience in live underwriting & Real Time Analysis, excellent at Income Calculation and Debt-to-Income(DTI) Ratio Calculation, expertise in 4C's framework (Credit, Capacity, Collateral and Capital), familiarity in Credit report Analysis & LOX (Letter of Explanation). Knowledge on Credit Bureau, Documents to approve the loan, Familiar with different account types is required.

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Key Responsibilities:

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  • Review and analyse the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors.">
  • Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor and the company.">
  • Knowledge of Lending & Underwriting Guidelines | Credit & Income Analysis | Cash Flow Analysis | Risk Assessment | Loan-to-Value Ratios | Debt-to-Income Ratios">
  • Review Initial application - Verify loan, property, borrowers' information with other available documents - Verify borrower's monthly income and expenses - Verify other relevant sections.">
  • Calculate asset required for closing and reserve purpose for the transaction (as per guideline)">
  • Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines.">
  • Provides final approval underwriting of mortgage loans.">
  • Completes all required paperwork and forms in a timely and accurate manner; prepares required forms.">
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Requirements:

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The ideal candidate must have a degree or equivalent qualification and 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).

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Benefits:

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Work From Home/Remote, US Mortgage Process (Only Night Shifts)

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Others:

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May be requested to make recommendations for improving Internal Audit's policies and practices. 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.

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