3 Analyzing Debt Jobs

The primary responsibility of the Underwriter is to review mortgage files submitted for underwriting. This role involves calculating income, analyzing debt and assets, conducting a thorough review of appraisals and titles, and entering data into the client's loan operating system. Additionally, the Underwriter utilizes an automated underwriting system to determine approval and clear conditions for Final Approval. To excel in this role, candidates should demonstrate a strong sense of urgency, the ability to work effectively in a team, and possess excellent organizational, communication, and PC skills. Key responsibilities include performing a comprehensive review of mortgage loan files, ensuring accurate data entry in the loan operating system, underwriting loans in compliance with client guidelines, evaluating the accuracy and completeness of loan documents, and issuing loan decisions based on established criteria. The Underwriter also plays a crucial role in providing exceptional customer service to both internal and external clients, staying updated on client and investor requirements, and resolving underwriting-related issues before and after loan closings. Qualified candidates for this position should have a minimum of 2+ years of current conventional mortgage loan underwriting experience. They should possess a strong understanding of income calculations, tax returns, credit reports, and appraisal basics. Proficiency in GSE underwriting guidelines and automated underwriting engines such as DU/LP is essential. Strong analytical, interpersonal, and communication skills are required, along with excellent time management abilities and the capacity to thrive in a fast-paced, production-oriented environment. The ability to collaborate effectively in a team, work across multiple systems in a paperless environment, and adapt to working outside normal business hours as needed are also important attributes for success in this role. NMLS-MLO Licensure is preferred for candidates applying for this position.,

The primary responsibility of an Underwriter is to review mortgage files submitted for underwriting. This role involves tasks such as calculating income, analyzing debt and assets, and conducting a thorough review of appraisals and titles. Additionally, you will be required to input data into the client's loan operating system, use automated underwriting systems for approvals, and clear conditions for Final Approval. It is crucial for candidates to exhibit a strong sense of urgency, work effectively in a team setting, and possess excellent organizational, communication, and PC skills. Your essential job functions will include conducting comprehensive reviews of mortgage loan files, ensuring accurate data entry into the loan operating system, underwriting loans based on client guidelines, evaluating loan documents for accuracy and compliance, identifying and addressing any red flags, issuing loan decisions, approving conditions, delivering exceptional customer service, staying updated on client and investor requirements, resolving underwriting-related issues, and assisting Processors/Loan Officers in understanding underwriting decisions and conditions. You must be capable of managing a high-stress environment while maintaining a high level of customer service and be willing to work beyond regular hours when needed. To qualify for this role, you must have a minimum of 2+ years of current conventional mortgage loan underwriting experience, a strong understanding of income calculations, tax returns, credit reports, and red flag identification, basic knowledge of appraisals and property eligibility, familiarity with GSE underwriting guidelines and automated underwriting engines, strong analytical and communication skills, attention to detail, effective time management skills, adaptability to a production-oriented environment, willingness to collaborate in a team, proficiency in working across multiple systems in a paperless setup, readiness to work in a secure environment, and preference for NMLS-MLO Licensure. Candidates should also be prepared to work outside of regular business hours as required.,

The QA - Underwriting position at our company is a Level 3 role that involves reviewing mortgage files submitted for underwriting. As an Underwriter, your main responsibilities will include assessing income, analyzing debt and assets, and conducting a thorough review of appraisals and titles. You will also be responsible for data entry into the loan operating system, utilizing automated underwriting systems for approvals, and addressing conditions for Final Approval. The ideal candidate must demonstrate a strong sense of urgency, work effectively in a team setting, and possess excellent organizational, communication, and PC skills. Key Responsibilities: - Conduct comprehensive reviews of mortgage loan files, covering income, assets, credit, and collateral - Ensure accurate data entry in the loan operating system - Underwrite loans in adherence to client guidelines, using AUS or manual guidelines - Verify the accuracy, completeness, and compliance of all loan documents - Identify and address any red flags or issues - Make loan decisions and set conditions accordingly - Review and approve conditions for loan file completion - Provide exceptional customer service to both internal and external clients - Stay updated on client and investor requirements - Resolve underwriting-related pre and post-closing matters - Assist Processors/Loan Officers in interpreting underwriting decisions and conditions - Handle high-stress situations while delivering top-notch customer service - Willingness to work beyond standard hours when required Requirements: - At least 2 years of current conventional mortgage loan underwriting experience - Proficient in income calculations, tax returns, credit report analysis, and red flag identification - Basic knowledge of appraisals and ability to spot red flags and ineligible properties - Familiarity with GSE underwriting guidelines and automated underwriting engines (DU/LP) - Strong analytical, interpersonal, and verbal/written communication skills - Detail-oriented with excellent time management abilities - Comfortable working in a dynamic, production-driven environment - Team player with the capability to work across multiple systems in a paperless setup - Willingness to operate in a high-security environment - NMLS-MLO Licensure preferred - Availability to work outside regular business hours as necessary If you are interested in this opportunity, please submit your resume to Elizebeth.Gullanki@mycloudxtreme.com. We look forward to hearing from qualified candidates who meet the specified requirements.,