Mortgage Underwriter

1 day ago

Pune, Maharashtra, India TalentBridge Full time ₹ 9,00,000 - ₹ 12,00,000 per year

NON-QM UNDERWRITER

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
  • 2+ 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

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