
U.S Mortgage Specialist
2 days ago
Job Title: Mortgage Finance Analyst
Key Responsibilities:
Loan Application Review:
- Analyse and verify loan applications, ensuring all required documents are complete and accurate.
- Assess the borrower's credit history, employment, income, and debt levels.
- Confirm the property's value through appraisal reports.
Credit and Financial Analysis:
- Evaluate credit reports to determine the borrower's creditworthiness.
- Analyse financial statements, tax returns, pay stubs, and other income documentation.
- Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios.
Property Valuation Review:
- Review appraisals and alternative value products for conformity to client-specified requirements to assess the accuracy of the property valuation.
Compliance and Risk Assessment:
- Ensure loans comply with all federal, state, and local regulations.
- Adhere to company policies and guidelines.
- Identify potential risks and assess the overall risk level of the loan.
Essential Skills and Requirements:
- Any bachelor's degree.
- Proven experience in mortgage processing or underwriting.
- Strong knowledge of mortgage industry regulations and procedures.
- Excellent analytical and problem-solving skills.
- Detail-oriented with exceptional organizational abilities.
- Proficiency in using mortgage processing software and financial tools.
- Effective communication and interpersonal skills.
- Ability to work efficiently under pressure and meet tight deadlines.
- Solid understanding of financial statements and credit reports.
- Certification in mortgage underwriting or related fields is a plus.
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