HCL Mega Walk-In Drive US mortgage writing

HCLTech

1 - 5 years

0 - 3 Lacs

chennai

Posted:Just now| Platform:

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Skills Required

loan origination us mortgage underwriting underwriting post closing mortgage underwriting us mortgage income calculation residential mortgage loan servicing pre underwriting

Work Mode

Work from Office

Job Type

Full Time

Job Description

Role & responsibilities

Review loan files for completeness and accuracy
Confirm application information against all documents within the file
Analyze all credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents.
Knowledge to validate that a prospective mortgagors loan application adheres to the Investors , Secondary Investors (Fannie & Freddie) and guidelines of applicable government agencies to approve the loan
Should have experience in Income Calculations
Should possess analytical skills in reviewing the LTV/CLTV
Review the eligibility of Property, Borrowers
Evaluate debt ratio, loan-to-value ratios, credit score, property valuation
Identify risk factors, including fraud red flags to determine or verify misrepresentation
Condition files for missing/ supporting documentation as needed
Test system updates as well as system changes as they occur
Complete required trainings and assessments
Ensure the appropriate and confidential handling / sharing of sensitive client data.
Ensure all policies, procedures and guidelines are followed.

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