Job
Description
HCLTech is hiring for Mortgage Underwriters - 31st Mar to 2nd Apr Designation: Associate & Analyst Process: US Mortgage Post Close Review Level of Experience : 2 Year and above in relevant field (With proper documents) Qualification: Any Graduate Interview Location- HCL Technologies Ltd. ETA 1- Techno Park, Special Economic Zone, 33, Rajiv Gandhi Salai, Navallur Village and Panchayat, Thiruporur Panchayat Union, Navallur, Tamil Nadu 603103 Interview Date - 31st Mar to 1st Apr Interview Timing- 3:30 to 5:30 PM (2nd round of interview will happen post 6 PM) Contact Person- Deepthi Sai Looking for immediate joiners to less than 15 days notice. Roles and 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. Required Skills: Experience in Post Close Review/Under Writing/Other areas of Mortgages US Mortgage Experience in Either Post Close Review/ underwriting/Compliance/ Post offer Completion & Core Servicing In depth knowledge of GSE, Fannie Mae, Freddie Mac guidelines and requirements Should have recent experience in Analyze Income & employment, credit strength, property appraisal, check over debt to Income (DTI) and Loan to value (LTV)and all other information pertinent to the credit decision process on each mortgage application, as presented by the applicant 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 Good communication skills Good with Numerical abilities & Logical reasoning Exposure to MS Office Multi Tasking Perks: Shift: Night, 5 Days WFO (Mon-Fri 6:00 pm to 4:00 am IST) Cab Facility: Male Both Pickup and Drop available within 25 kilometer from ETA Navalur location Female - Both Pickup and Drop available
