US Mortgage Underwriter

2 days ago

Delhi, India Brace Infotech Private Ltd Full time

The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordancewith established policies and procedures and appropriate guidelines; examines all documentationfor accuracy and completeness.Experience: -4years and aboveEducation Qualification:-Degree Or EquivalentPreference: -US Mortgage Process (Only Night Shifts)Work From Home/Remote.Key Required Skills:- Candidate must 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), Familiar in Credit report Analysis & LOX (Letter of Explanation). Knowledge on Credit Bureau, Documents to approve the loan, Familiar with differentaccount types.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 toinvestor 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 availabledocuments - 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 toHUD, company, and investor guidelines. Provides final approval underwriting of mortgage loans. Completes all required paperwork and forms in a timely and accurate manner; prepares requiredforms. 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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