Non-QM Underwriter

3 days ago

Ahmedabad, India TalentBridge Full time

Non- QM Underwriter The Underwriter is responsible for assessing the risk of a borrower being able to repay their mortgage to the lender, decision the loan adhering to the regulatory guidelines and company policy & procedures. Job Duties: Underwrite and decision Non-QM loans to comply with all applicable regulations. Should be able to underwrite all Tiers, including complex loan transactions. Maintain client SLA expectations: Achieves individual Underwriter quality benchmarks. Achieves individual production goals and turn times. In-depth Knowledge of Non-QM (mandatory). Knowledge of QM (Conventional) UW Guidelines would be an added advantage. Ensuring compliance with company policies and guidelines. Perform Income calculation, debt to income ratios, review/analyse complex asset statements, financial statements, as well as personal and business income tax returns to render a decision. Analyse appraisal report and collateral offered in the loan application to determine acceptability and appropriate loan to value ratios for decisions. Analyse and review title opinions for decisioning on all loan applications. Documenting and effectively communicating reasons for the approval/denial of loans. Decision and review completion of the required conditions to approve loan and communicate requirements to appropriate parties. Education and/or Experience: Graduation + years mortgage underwriting experience ((front-end & live UW)) Prior Supervisory skills are a plus. Language Skills: Strong written & verbal communication Proficiency in reading, writing & understanding English language. Ability to read, and interpret borrower documentation, company policies, procedures, guidelines, reports, and legal documents. Individual must have the ability to respond to common inquiries or complaints from clients. Strong email etiquette Others: Displays initiative and drive for results. Able to work independently. Problem solving and resolution skills. Proven decision-making skills. Proven quality acumen Ability to analyse data/reports and provide accurate assessments. Ability to work with minimal supervision. Organizational skills Good working knowledge of Microsoft Excel, Word, and Outlook

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