Mortgage Underwriter

4 days ago

Remote, India VENPA GLOBAL TECHNOLOGIES PRIVATE LIMITED Full time

**Experience**: 4-6 Years

**Notice**: Immediate to 15 Days

**Must have : Live underwriting and Real Time Analysis (Should have Mention in Resume)**

**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.

**Experience: -**

**4years and above; recent experience of min 2 two years in Live Underwriting.**

**Education Qualification: -**

Degree Or Equivalent

**Preference: -**

US Mortgage Process (Only Night Shifts)

Work From Home/Remote.

**Key Required Skills:

- **
- 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 Residential Mortgage
- Credit Bureau, Documents to approve the loan, Familiar with different account types.

**Job Roles and Responsibilities**:

- 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
- 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)

**Job Types**: Full-time, Permanent

Schedule:

- Night shift
- US shift

**Experience**:

- total work: 4 years (required)

Work Location: Remote

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