Underwriter

3 days ago

Ambli Ahmedabad Gujarat, India Envision Business Solution Pvt Ltd Full time

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 &amp, procedures as well.

**Job Duties**:

- Underwrite and decision loans to comply with state and federal 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.
- Knowledge of Conventional & non-QM
- Must know Fannie &amp, Freddie guidelines.
- Ensuring compliance with company policies and guidelines.
- Perform Income calculation, debt to income ratios, review/analyze complex asset statements, financial statements, as well as personal and business income tax returns to render a decision.
- Documenting and effectively communicating reasons for the approval/rejection of loans.
- Decision and review completion of the required conditions to approve loan and communicate requirements to appropriate parties.

**Qualifications**:
To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.
- Successful experience working as an Underwriter
- Must be detail-oriented and can comprehend and effectively communicate

**Education and/or Experience**:

- Graduation
- 2+ years mortgage underwriting experience (front-end live UW)

**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.

Pay: From ₹300,000.00 per year

**Benefits**:

- Health insurance
- Leave encashment
- Paid sick time
- Provident Fund

Schedule:

- Night shift

Supplemental pay types:

- Yearly bonus

**Experience**:

- total work: 2 years (required)

Work Location: In person

**Speak with the employer**
+91 7405696972

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