US Mortgage Underwriter

22 hours ago

Bengaluru Chennai Mumbai, India Global Consulting Full time ₹ 1,50,000 - ₹ 28,00,000 per year

Position: Underwriter

Position Summary:

Mortgage underwriting associate role includes but not limited to analyzing and verifying loan applications, review of all 4 Cs, evaluating risks, and making loan eligibility decisions.

The incumbent ensures the accurate, efficient, and timely flow of information/documentation for offering quality and efficient services.

Roles and Responsibilities:

  • Knowledge of mortgage underwriting and Agency automated underwriting systems
  • Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines
  • Review all mortgage applications and documentation for accuracy and completeness
  • Review and be able to complete a full analysis of all types of income (Self/Rental/Wage/etc), Assets, Liabilities, Credit and Collateral.
  • Analyze credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators
  • Review property documentation including title commitments, sales contracts, insurance, and flood determinations
  • Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud
  • Review and analyze appraisals for value and compliance with industry requirements
  • Demonstrate the ability to independently make sound decisions based on the creditworthiness of the applicants based on established underwriting guidelines, policies, procedures, knowledge, and experience
  • Provide exceptional customer care (both internal and external) in a manner that satisfies the individual needs of each customer and builds loyalty to the client
  • Maintain the confidentiality of all customer and employee information
  • Respond positively to feedback and redirection
  • Fully utilize systems, tools, training, and resources provided to maximize potential
  • Assist other departments as needed
  • Meeting daily production.
  • Meeting the daily SLA requirement
  • Meeting the daily Quality requirements

Qualifications Education: Bachelor's in any stream.

Knowledge/Skills/Abilities:

  • Experienced mortgage professional with 2-3 years with mortgage underwriting
  • Has a complete understanding of Conventional, FHA, and VA underwriting guidelines.
  • Has working knowledge of real estate lending criteria and federal, state, and agency compliance
    • Can multitask and manage time efficiently
    • Has strong organizational skills, attention to detail, and basic Microsoft Office skills
  • Good analytical and problem-solving skills.
  • Strong organization and verbal and written communication skills.
  • Highly adaptive and open to changes as the organization grows and its needs evolve.

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