Underwriter

1 month ago

Chennai, India Mphasis Full time

The Underwriter’s primary responsibilities include reviewing mortgage files submitted to Underwriting. This position requires calculating income, analyzing debt and assets, as well as completing an in-depth review of the completed appraisal and title. Additional responsibilities include entering data into the client’s loan operating system, performing a manual underwrite, clearing conditions for Final Approval and communicating outstanding requirements to customers. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organization and communication skills, maintaining high level of quality standards and commitment to a superior level of customer service.

Essential Job Functions

· Maintain conforming signing authority and quality standards

· Maintain current knowledge of client and investor requirements

· Perform complete and in-depth review of mortgage loan files including; income (inclusive of rental income, IRA, annuity and 401K), assets, credit and collateral

· Utilize client’s loan operating system to ensure accurate data entry

· Evaluate and ensure overall loan documents are accurate, complete, and compliant

· Manually underwrite loans in accordance with client guidelines

· Restructure non-conforming loans in order to meet conforming loan limits

· Complete POA review

· Identify and/or clear red flags 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

· Assist Processors/Loan Officers in understanding underwriting decisions and conditions

· Resolve pre and post-closing issues as they relate to underwriting

Requirements:

· Minimum 2+ years current mortgage loan underwriting experience

o Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags

o Knowledge of appraisal and title, and ability to recognize red flags and ineligible properties

· 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 able to work in a high stress environment while delivering a high-level of customer service

· 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

· Ability to obtain NMLS-MLO Licenses preferred

· Candidates must be available to work outside of normal business hours when necessary

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