Risk Underwriter

5 days ago

Bangalore, India Brace Infotech Private Ltd Full time
Job Title:Live Underwriter Location:Banglore
Work Mode:Hybrid
NP:Immediate-60 days
Interview:Virtual/F2F

Job Overview:
The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established
policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness.
Job Roles and Responsibilities:
 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.
 Review all the documents related to borrower’s Credit, Capacity, Collateral and Capital.
 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.
 Sign off conditions in a timely manner set by management.
 Work with staff and management to find solutions on escalated loans.
 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.
 Other duties as assigned.
Qualification & Experience
 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)

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