Live Underwriter-remote

4 days ago

Mumbai Maharashtra, India Smartmovess consultant zone Full time

Live Underwriter Min Experience - 4 yr Budget - (₹8L - ₹12L) Immediate Joiner 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. Key **Required Skills**: Excellent at Income Calculation and Debt-to-Income(DTI) Ratio Calculation. Expertise in 4Cs 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. - 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 - Recent 2+ years of experience in Live Underwriting. - Minimum 4 years of experience in conventional/govt end to end underwriting. - Well-versed with all 4C’s of Underwriting (Asset, Income, Credit and Collateral) - US Mortgage Process (Only Night Shifts) - Remote. **Job Types**: Full-time, Permanent **Salary**: ₹800,000.00 - ₹1,200,000.00 per year Schedule: - Day shift - Monday to Friday - Morning shift **Experience**: - total work: 1 year (preferred) Ability to Commute: - Mumbai, Maharashtra (required) Ability to Relocate: - Mumbai, Maharashtra: Relocate before starting work (required) Work Location: In person **Speak with the employer** +91 09205936567

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