Mortgage Underwriter

21 hours ago

Chennai Tamil Nadu, India Openings Advisory Firm Full time

**Location**: Chennai
**Work Mode**: Work from Office

**Experience**: 3+ years

**Qualification**:Any Graduate
**Work Timings**: US Shift

**Notice**: Immediate Joiners Preferred
- JOB DESCRIPTION:
**Key Responsibilities**:
**Essential duties shall include but not necessarily be limited to**:

- **Loan File Inventory**:ensuring residential mortgage loan packages contain all necessary documentation required to formulate a complete assessment.
- **Credit Review**:assess all elements of the credit decisioning process undertaken to approve the loan including underwriting guidelines, income calculation and validation of assets.
- **Fraud Review**:review the credit package and related background search on mortgage loan borrowers to identify potential fraud risks.
- **Property Valuation Review**:review appraisals and alternative value products for conformity to client specified requirements to assess accuracy of the property valuation.
- **Legal Doc Review**:assess all legal documents included in residential mortgage loan files to ensure proper execution, enforceability, and sufficiency for title perfection.
- **Regulatory Compliance Review**:gather regulatory compliance data elements from the loan file for capture in the due diligence review system.
- **Servicing History Review**:review the servicing history of residential mortgage loans by assessing payment histories and servicing commentary in a manner consistent with client requirements.
- **Credit Risk Grading**:leveraging the utility of the due diligence review system, assess loan quality grades based on client specifications and standards set forth within applicable credit rating agency grading criteria.

**Qualifications**:
**Required Education and Experience**:

- **Experience**:underwriting residential mortgage loans with demonstrable proficiency in understanding underwriting guidelines and an understanding of mortgage loan regulatory compliance
- **Computer Skills**:strong background with the use of computer programs used to manufacture or review mortgage loans and standard knowledge of Microsoft Office product suite.

**Desirable Attributes**:

- Servicing review experience.
- Familiarity with credit rating agency review standards.
- Strong written communication skills.
- Bachelor’s degree preferred.
- **Soft skills**: time management, thoughtfulness, reason, and problem solving, and professional communication.

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