32 Loan Underwriting Jobs

The Lead Underwriter position involves working on loan underwriting to meet daily targets or assignments. The ideal candidate should possess experience in US Mortgage Underwriting and be familiar with the 4 Cs - Credit, Capacity, Capital, and Collateral. Additionally, knowledge of Income Calculations, Credit review, Assets/Capital review with guideline requirements, LTV, CLTV calculations, PITI, DTI calculations, Fannie Mae, Freddie Mac guideline requirements, Govt. loans (FHA, VA, USDA), and FHA/VA/USDA guideline requirements is required. The successful candidate should also have good communication skills. The educational requirement is any degree with US Mortgage Underwriting experience. The work schedule includes night shifts and hybrid work, with the flexibility to work from the office based on business requirements.,

The ideal candidate for the position should have a thorough understanding of loan underwriting, pre-underwriting, origination, and servicing processes. Knowledge of compliance and TRID guidelines related to fees is essential. The candidate must be capable of performing mortgage credit analysis independently, without relying on Automated Underwriting Systems (AUS). It is crucial to meet production goals and standards as per the established Service Level Agreements (SLAs) and metrics. The role requires working from the office during night shifts at the Chennai Sholinganallur location, with one-way cab transportation provided. Immediate joiners up to a notice period of 1 month are preferred. Furthermore, the candidate must have received both doses of the COVID-19 vaccination, and possessing a graduation degree with provisional and final certificates is mandatory. Only 2023 and 2024 passouts with provisional or final certificates/university mark sheets are eligible. Candidates with a background in B.E, B.Tech, MBA, or other postgraduate qualifications are not applicable for this role. The job openings are categorized as Junior Processor (for freshers), Processor (1 to 3 years of experience), Senior Processor (5 to 9 years of experience), and Team Leader (4 to 5 years of experience in loan servicing with at least 1 year as a team leader on paper). The interview for these positions will be conducted on the 3rd and 4th of October 2024, at Wipro Limited-CDC5, located at 468/469, 475/A, Old Mahabalipuram Road, Elcot Sez, Sholinganallur, Chennai, from 10:30 A.M to 1:30 P.M.,

The Lead Product Manager - Conversational AI at IDFC First Bank plays a crucial role in developing and expanding AI-powered solutions to elevate customer experience, streamline processes, and drive decision-making efficiency within the realm of banking products. Working closely with a diverse team including data scientists, AI engineers, digital banking specialists, and compliance professionals, you will lead the charge in crafting AI-driven tools such as personalized services, conversational banking interfaces, and risk assessment mechanisms. Your responsibilities will include shaping the roadmap for Conversational AI in the digital banking sphere, with a focus on enhancing customer interaction, fortifying fraud prevention measures, and optimizing operational workflows. By collaborating with AI/ML experts, data analysts, and business units, you will oversee the implementation of AI-based innovations like chatbots, predictive analytics, and intelligent financial advisors. Furthermore, you will spearhead the development of AI-infused credit risk evaluation models to bolster loan underwriting processes, while also liaising with regulatory and compliance teams to ensure that these models adhere to banking standards and ethical AI guidelines. Defining key performance indicators (KPIs) for assessing AI adoption rates, accuracy levels, and customer-centric impacts will be a crucial aspect of your role, alongside managing multifaceted teams to seamlessly transition AI features from testing phases to full-fledged production environments. Staying abreast of the latest trends in AI within the fintech and banking sectors, you will leverage industry best practices to drive scalable AI deployment strategies that align with organizational goals and industry benchmarks. Education Qualifications: - Bachelor's degree in any relevant field - Post-graduation in any discipline Experience: - 7 to 10 years of relevant experience in the field,

As a Senior Credit Manager, you will be responsible for overseeing the credit risk assessment process and managing the credit department. Your primary role will involve analyzing credit data, evaluating creditworthiness of individuals or businesses, and making recommendations on credit limits. You will also be responsible for developing and implementing credit policies, procedures, and strategies to minimize risk and maximize revenue. In this role, you will work closely with cross-functional teams to ensure compliance with regulations and internal credit policies. You will also be involved in mentoring and training junior credit analysts, providing guidance on complex credit issues, and making decisions on credit approvals or denials. Additionally, you will be tasked with monitoring the credit portfolio, identifying potential risks, and taking proactive measures to mitigate those risks. The ideal candidate for this position should have a strong background in credit risk management, excellent analytical skills, and the ability to make sound credit decisions. You should also possess good communication skills, attention to detail, and the ability to work effectively in a fast-paced environment. A bachelor's degree in finance, accounting, or a related field is typically required, along with several years of experience in credit analysis or risk management. A certification such as Certified Credit Executive (CCE) or similar would be a plus.,

As a Loan Underwriter, your primary responsibility will be to review and assess a wide variety of complex loan applications within the established guidelines. Based on your assessment, you will have the authority to make decisions or recommend them for approval to higher authorities. You will also be required to underwrite proposals in adherence to the defined policies and procedures to meet the agreed Service Level Agreements (SLAs) and effectively manage the business volumes in your assigned city or area. Conducting personal discussions with customers will be a crucial aspect of your role to evaluate their creditworthiness. This will involve ensuring the completion of credit and KYC documents, as well as conducting verification through telephonic conversations, field visits, and collateral inspections. Additionally, you will need to assess income to obligation ratios, possess a deep understanding of the rationale behind these calculations, and comprehend their impact on loan performance over the loan tenure. Maintaining various Management Information System (MIS) reports related to the portfolio, delinquency, and other operations of the cluster will be part of your regular responsibilities. You will be expected to build and leverage effective relationships with third parties to achieve the best outcomes for clients. Taking ownership of client queries, utilizing industry knowledge and experience to address challenges, and striving for continuous process improvement are essential aspects of this role. You will play a critical role in reviewing credit proposals thoroughly to identify industry, business, financial, management, and facility structure risks. Ensuring adequate collateral and other credit risk mitigation measures will be necessary to assist the approving authority in making informed decisions on credit proposals. Collaboration with the sales team to facilitate quick turnaround times for credit lending proposals and conducting ongoing reviews of credit exposures to maintain their bankability will be vital tasks. Facilitating the review and documentation of proposals, monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phases, and taking necessary steps for risk mitigation will be part of your responsibilities. Managing the credit underwriting function of your branch, ensuring a quick turnaround of credit lending proposals through coordination with local credit analysts and the sales team, will be crucial for the efficient functioning of the branch. For this role, a Post Graduate or Graduate degree in any discipline is required.,

You will be working as a Business Loan Manager at First Adviser, a financial services company based in New Delhi. In this full-time on-site role, your primary responsibilities will include handling business loan applications, evaluating financial documents, assessing creditworthiness, and ensuring compliance with lending regulations. Your role will also involve closely collaborating with clients to understand their financial requirements and offering them appropriate loan solutions. To excel in this position, you should possess a strong background in financial services, banking, or a related field. Prior experience in loan underwriting, credit analysis, and risk management will be highly beneficial. Excellent analytical skills, attention to detail, effective communication, and interpersonal abilities are essential for success in this role. A Bachelor's degree in Finance, Business Administration, or a related field is required, while a Master's degree would be considered a plus.,

Handling Team of Credit Managers and ownership of assigned portfolio of entire Tamil Nadu. Strong domain knowledge in Credit - SME / Mortgage /Working capital assessment and Term loans. Handling all types of working capital, Commodity Finance and Project / term loans. Credit appraisal and underwriting including financial analysis to understand solvency, liquidity position, repayment capacity of the entity, credit checks, etc. Assessing the credit risk basis geography, commodity, and security offered references and financials as well as facility structure. Proactively developing enterprise-wide risk management strategies and practices for various agri products Understanding on various operational, legal, market and segmental risk pertaining to agribusiness Delinquency management along with business. Works in a fast-paced office environment. Expected to travel to customer locations on short notice to conduct meetings.

Role & responsibilities The Underwriters primary responsibilities include reviewing mortgage files submitted to Underwriting. This position requires calculating income, analyzing debt and assets, as well as completing an in-depth review of the completed appraisal and title. Additional responsibilities include entering data into the clients loan operating system, utilizing an automated underwriting system to determine approval and clearing conditions for Final Approval. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills. Essential Job Functions: Perform complete and in-depth review of mortgage loan files including; income, assets, credit and collateral Utilize client’s loan operating system to ensure accurate data entry Underwrite loans in accordance with client guidelines; utilizing AUS or manual guidelines Evaluate and ensure overall loan documents are accurate, complete, and compliant Ability to identify and/or clear red flag or s Issue loan decision and condition file accordingly Review and approve conditions for compliance and completion of loan file Provide excellent customer service to internal and external clients Maintain current knowledge of client and investor requirements Resolve pre and post-closing issues as they relate to underwriting Assist Processors/Loan Officers in understanding underwriting decisions and conditions Must be able to work in a high stress environment while delivering a high-level of customer service Ability to work more than 40 hours, on an as needed basis Requirements: Minimum 2+ years current conventional mortgage loan underwriting experience Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags Basic knowledge of appraisal and ability to recognize red flags and ineligible properties Thorough working knowledge of GSE underwriting guidelines and automated underwriting engines (DU/LP) Strong analytic, interpersonal, and verbal and written communication skills Detail-oriented with strong ability to time manage Ability to work in a flexible and production-oriented environment Must be willing and able to work as part of a team Strong capability to work in multiple systems - paperless environment Must be willing to work in strict security environment NMLS-MLO Licensure preferred Candidates must be available to work outside of normal business hours when necessary

You will be joining First Adviser, a financial services company established by a team of experienced professionals specializing in banking, finance, and insurance. The company is dedicated to delivering comprehensive financial solutions, offering a wide array of services such as custom loans, trusted insurance guidance, lending platforms, and opportunities for retail investments. In this position as a Business Loan Manager based at First Adviser's New Delhi office, you will work full-time on-site. Your primary responsibilities will involve managing business loan applications, reviewing financial paperwork, evaluating creditworthiness, and ensuring adherence to lending regulations. Additionally, you will collaborate closely with clients to identify their financial requirements and offer them appropriate loan options. The ideal candidate for this role should possess a solid background in financial services, banking, or a related industry. Proficiency in loan underwriting, credit analysis, and risk management is essential. Strong analytical capabilities, keen attention to detail, effective communication skills, and interpersonal competencies are also required. A Bachelor's degree in Finance, Business Administration, or a related field is mandatory, while a Master's degree would be considered advantageous.,

Mortgage Underwriting Quality Control (QC) DU/LP (Desktop Underwriter / Loan Prospector) GSE Guidelines (Fannie Mae, Freddie Mac) Loan Origination Systems (LOS) Red Flag Identification Appraisal Review Risk Assessment Mortgage Compliance US Mortgage Required Candidate profile US Mortgage Manual Underwriting Error Trend Analysis QC Auditing NMLS Licensed (Preferred) Rotational & Night Shifts Strong Analytical & Communication Skills

Essential Qualifications: Role directly reports to Positions that reports into this role Area Manager - Credit Underwriting • Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate • 1-5 years of relevant experience in Credit underwriting Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME) • Deep experience & understanding of retail financial services across NBFCs, banking Essential Experience / skills: • Knowledge of local markets and trends in retail lending • Understanding of local business and micro economy • Ability to work under tight deadlines and to prioritize conflicting and changing priorities • Keen understanding and focus on risk, controls, compliance and regulatory framework Ability to liaise with internal stakeholders and cross-functional teams • Strong customer focus and management of stakeholder expectations • Strong analytical & communication skills (written & verbal) • Should be willing to adapt to digital tools and processes Roles and responsibilities • Responsible for upholding the Piramal brand by preparing quality proof proposal document detailing the loan eligibility as underwriting/sanction procedure for approving/rejecting loan applications procured by Sales • Conduct meetings and personal discussion (PD) with customers to understand their business, profile and loan requirement, and visiting business premise, property and residence of customer at the time of PD • Assess borrowers profiles, repayment capacity and income stability to understand credit worthiness of customer by analysis of all documents, observation & findings of PD • Analyse all customer related information in line with credit & risk policy to check eligibility • Understand actual business income & expenses (other than reported income) of customer • Interpret results of financial analysis, banking analysis and bureau reports • Study, analyse and interpret legal & technical reports of property and other internal check reports • Responsible for Underwriting and sanction of Home loan/loan against property files sourced by sales team and preparing the required proposal document detailing the loan eligibility • Revert on post sanction conditions prior to disbursement based on queries raised by the team • Provide recommendation on complex cases to supervisors for seeking necessary decision based on deviation/ approval matrix • Co-ordinate and communicate with different departments • Maintain TAT as per guidelines • Adhere to the policy/ process laid out by the Central team on all loan applications being processed • Closely monitor on non-starters/first EMI bounce trends • Ensure compliance on all aspects stipulated by company and regulatory committees • Maintain and report various MIS to monitor portfolio performance and risk • Continuously improve underwriting capability based on portfolio performance Core Competency: • Strong Management and Leadership Skills - Lead by example with good team management skills • Execution & Delivery - Takes ownership providing timely and result oriented solutions with operational excellence • Accountability - Responsible for the tasks assigned under the ambit of the key responsibilities of the role and additionally for any dependencies with cross functional teams • Team - Work & Collaboration - Fosters a culture of trust, collaboration and support • Effective Communication - Communicates timely and responsively with clarity and effect (both verbal and written). Seeks and provides feedback • Innovation Self driven and encourages others to actively look beyond boundaries for new insights and opportunities for success • Customer Service Orientation - Identifies and anticipates customer needs and responds to them by maintaining long term relationships

Essential Qualifications: Role directly reports to Positions that reports into this role Area Manager - Credit Underwriting • Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate • 1-5 years of relevant experience in Credit underwriting Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME) • Deep experience & understanding of retail financial services across NBFCs, banking Essential Experience / skills: Knowledge of local markets and trends in retail lending • Understanding of local business and micro economy • Ability to work under tight deadlines and to prioritize conflicting and changing priorities • Keen understanding and focus on risk, controls, compliance and regulatory framework Ability to liaise with internal stakeholders and cross-functional teams • Strong customer focus and management of stakeholder expectations • Strong analytical & communication skills (written & verbal) • Should be willing to adapt to digital tools and processes Roles and responsibilities • Responsible for upholding the Piramal brand by preparing quality proof proposal document detailing the loan eligibility as underwriting/sanction procedure for approving/rejecting loan applications procured by Sales • Conduct meetings and personal discussion (PD) with customers to understand their business, profile and loan requirement, and visiting business premise, property and residence of customer at the time of PD • Assess borrowers profiles, repayment capacity and income stability to understand credit worthiness of customer by analysis of all documents, observation & findings of PD • Analyse all customer related information in line with credit & risk policy to check eligibility • Understand actual business income & expenses (other than reported income) of customer • Interpret results of financial analysis, banking analysis and bureau reports • Study, analyse and interpret legal & technical reports of property and other internal check reports • Responsible for Underwriting and sanction of Home loan/loan against property files sourced by sales team and preparing the required proposal document detailing the loan eligibility • Revert on post sanction conditions prior to disbursement based on queries raised by the team • Provide recommendation on complex cases to supervisors for seeking necessary decision based on deviation/ approval matrix • Co-ordinate and communicate with different departments • Maintain TAT as per guidelines • Adhere to the policy/ process laid out by the Central team on all loan applications being processed • Closely monitor on non-starters/first EMI bounce trends • Ensure compliance on all aspects stipulated by company and regulatory committees • Maintain and report various MIS to monitor portfolio performance and risk • Continuously improve underwriting capability based on portfolio performance Core Competency: • Strong Management and Leadership Skills - Lead by example with good team management skills • Execution & Delivery - Takes ownership providing timely and result oriented solutions with operational excellence • Accountability - Responsible for the tasks assigned under the ambit of the key responsibilities of the role and additionally for any dependencies with cross functional teams • Team - Work & Collaboration - Fosters a culture of trust, collaboration and support • Effective Communication - Communicates timely and responsively with clarity and effect (both verbal and written). Seeks and provides feedback • Innovation Self driven and encourages others to actively look beyond boundaries for new insights and opportunities for success • Customer Service Orientation - Identifies and anticipates customer needs and responds to them by maintaining long term relationships Regards, Nagapurniah Email : nagapurnaiah.madugula@piramal.com Ph : 9000498401

Underwriter reviews, conditions & underwrites mortgage loans as per the policies & procedures, appropriate guidelines Examines documentation accuracy &completeness Provides final approval underwriting of mortgage loans 4 C's guidelines Required Candidate profile Graduate Min 2.5yrs.exp. in conventional/govt end-to-end underwriting. Well-versed with all 4C's of Underwriting (Asset, Income, Credit and Collateral

Ensure the SLA and KPI Targets as specified by the client are met consistently Demonstrate strong process knowledge and lead process changes/improvement with an end-to-end understanding of the Product Conduct huddles/training for process areas Required Candidate profile 04 - 06 Yrs leadership exp. US Mortgage Income Calculations; Pre Purchase Review; Credit Report Span control would range from 80 to 200 employees including SMEs, QAs, Team Leads and AM

Ensure the SLA and KPI Targets as specified by the client are met consistently Demonstrate strong process knowledge and lead process changes/improvement with an end-to-end understanding of the Product Conduct huddles/training for process areas Required Candidate profile 04 - 06 Yrs leadership exp. US Mortgage Income Calculations; Pre Purchase Review; Credit Report Span control would range from 80 to 200 employees including SMEs, QAs, Team Leads and AM

Lead and manage the branch sales team to achieve business targets. Develop and execute strategies for growth in the affordable housing finance sector. Identify and onboard potential customers and ensure smooth loan processing. Required Candidate profile 3+ year of experience in affordable housing finance/Home Loan. Avg tenure: Over 1.5 years in each organization or across the last three organizations. Good network in Market & Client Handling.

Role: - Team Leader Location: - Bangalore YEARS OF EXPERIENCE: - 4+Years Concentrix is a technology-enabled global business services company specializing in customer engagement and improving business performance. We partner with ambitious, progressive executives around the world to future-proof their business and stay ahead of the competition and meet customer expectations. Role and Key Responsibilities: Responsible to lead, mentor, and manage responsible lending team, Underwriters, provide guidance and support to achieve individual and team goals Conduct regular performance evaluation and provide constructive feedback to the team members Review and approve responsible lending or underwriting decisions made by the team-members, ensuring accuracy and compliance with policies and regulatory requirements. Handle complex responsible lending or underwriting cases and make decisions on high value or high-risk applications. Monitor and manage teams workflow ensuring timely completion of applications processing or auditing Establish and maintain quality assurance standards for the processes. Conduct regular audits and reviews of responsible lending or underwriting files to ensure compliance and identify areas of improvement Identify the areas of process improvement and implement best practices to enhance efficiency and accuracy in the process. Identify performance related issues, develop an action plan for improvement, implement corrective action, up to and including termination of employment Ensure service delivered to our customers meets contractual Key Performance Indicator (KPIs) and financial expectations Collaborate with other departments to streamline the process and improve overall operational effectiveness Address any discrepancies or issues promptly and implement corrective actions as needed. Build and maintain strong relationships with internal and external stakeholders clients Prepare and present regular reports on team performance, underwriting metrics, and KPIs to all stakeholders Analyze data to identify trends, risks and opportunities for improvement. Develop and implement action plans based on insights Promote the Concentrix values through both behavior and attitude, including being an advocate for team members. Key skills & knowledge: Associate's degree in related fields with two to four years of relevant experience in Banking, Finance or related field and with a minimum of 12 months in a leadership role. Experience in managing voice teams is mandatory with knowledge in dialer, CMS etc Strong knowledge of Mortgage Underwriting or responsible lending principles, policies and regulations. Proven track record of effectively leading and developing a team. Excellent analytical, problem solving, and decision-making skills. Highly motivated individuals with skills to develop and coach team members to achieve performance expectations Ability to work under pressure and meet tight deadlines. Strong communication skills, both written and verbal. Ability to mentor, coach and provide directions to team members. High attention to detail and strong organizational skills. Willingness to work in a flexible schedule 3 am login. Educational Qualification: Graduate / post-graduate. Disclaimer: 'Neither Concentrix nor any authorized 3rd party who assist with our recruitment process, ever ask candidates for recruitment, processing or any other kind of fees in exchange for offer letters from Concentrix. Offer letters and other recruiting correspondence from Concentrix are printed on Concentrix letterhead with authentic signatures of appropriate Concentrix authorities.

Manages the day-to-day operations of accounts receivables, ensuring that invoices being sent out are correct and dispersed in a timely manner. Follows up on any delinquent accounts. Researches and decides upon credit authorization for incoming customers. CANDIDATE PROFILE Education and Experience 4-year bachelors degree in Finance and Accounting or related major; no work experience required. CORE WORK ACTIVITIES Managing Work, Projects, and Policies Generates and provides accurate and timely results in the form of reports, presentations, etc. Compiles, codes, categorizes, calculates, tabulates, audits, or verifies information or data. Completes accounts receivable period end closing functions and procedures; credit and period end reporting. Upholds the policies and procedures outlined in the credit policy. Interacts with sales and catering staff for timely credit decisions on incoming customers. Demonstrating and Applying Accounting Knowledge to Credit Management Issues Demonstrates knowledge of job-relevant issues, products, systems, and processes. Uses computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information. Uses relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards. Keeps up-to-date technically and applying new knowledge to your job. Stays knowledgeable of accounts receivable system. Leading Credit Management Team Utilizes interpersonal and communication skills to lead, influence, and encourage others; advocates sound financial/business decision making; demonstrates honesty/integrity; leads by example. Staffs, manages and develops all billing and accounts receivable employees. Maintaining Finance and Accounting Goals Submits reports in a timely manner, ensuring delivery deadlines. Ensures profits and losses are documented accurately. Achieves and exceeds goals including performance goals, budget goals, team goals, etc. Develops specific goals and plans to prioritize, organize, and accomplish your work. Monitors all taxes that apply, ensuring that taxes are current, collected and/or accrued. Ensures property billings are sent error free and in a timely manner. Monitors receivables for timely collections and follows up with appropriate collection correspondence. Additional Responsibilities Provides information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person. Provide direction and assistance to other organizational units regarding accounting and budgeting policies and procedures, and efficient control and utilization of financial resources. Analyzes information and evaluating results to choose the best solution and solve problems. Informs and/or updates the executives, the peers and the subordinates on relevant information in a timely manner. Maintains positive working relations with customers and department managers.

MASS HIRING FOR CREDIT ANALYST & SENIOR CREDIT ANALYST FOR US & UK MORTGAGE LOANS 5.5 DAYS WORKING + DAY SHITFS + FIXED OFF SALARY UP TO 6 LPA + INCENTICES + YEARLY BONUS. Call HR Sakshi TO Schedule Your Interview @ 9257030225 Drop your Resume:- virtuefinancejobs@gmail.com Role & responsibilities:- Credit assessment - based on the financials shared by the borrower, the Credit Analyst will assist the mortgage broker, and assess the product and lender that are more suitable for them. This needs a deep understanding of the credit policies of various banks and an understanding of credit-assessment calculations. He / She will assist our broker clients in researching and developing loan strategies by comparing the policies suitable for a borrowers scenario, entering application data into loan processing software, data verification, document collation / verification, and client servicing. Client communication - interact with clients or lenders via email, phone calls, texts, etc. to take inputs regarding their financial data, and corresponding documents, and make suggestions regarding products and policies. Compliance and audit - ensure that all compliance norms are adhered to while processing the case. Preferred candidate profile:- 1. Post-Graduate / Graduate in Commerce or Management field. 2. Good command of both oral and written English language will be required for the profile. 3. Accuracy and strong attention to detail, 4. Critical thinking and problem-solving skills. 5. 1-3 Years of experience working with Australian Mortgage brokers in Mortgage Processes will be preferred. 6. Excellent time management skills Perks and benefits:- 5.5 Days Working Fixed Off Day Shifts Monthly Incentives Yearly Bonus Call HR Sakshi TO Schedule Your Interview @ 9257030225 Drop your Resume:- virtuefinancejobs@gmail.com NOTE Applications SENT TO ANY Other Email Address WILL NOT BE Entertained.

Role Overview: We are seeking a detail-oriented Commercial Underwriting Senior Analyst to support CRE loan underwriting processes including Pre-Screen Services and Preliminary Loan Sizing. The ideal candidate should have a strong understanding of CRE loan basics, operating statements and rent roll analysis. Key Responsibilities: Perform CRE Loan Underwriting for a variety of commercial real estate assets. Perform Preliminary Loan Sizing based on market, financial and property data. Review and analyse Operating Statements, Rent Rolls and Borrower Financials to support underwriting decisions. Evaluate property cash flows, tenant lease terms and market factors to assess risk and recommend appropriate loan structures. Prepare and present underwriting summaries to internal stakeholders. Required Skills & Experience: Commercial Real Estate - Real Estate Due Diligence Solid understanding of Commercial Real Estate Loan Underwriting processes. Experience in Pre-Screen Services, Preliminary Loan Sizing and CRE loan analysis. Prior experience in Commercial Real Estate Lending, Credit Analysis or Loan Underwriting. Exposure to US Commercial Real Estate markets (if applicable). Contact Person- Sneha Contact Number- 9840082230 Email - sneham@gojobs.biz

Graduate (any stream) with 36 years of total experience in credit functions, including 23+ years in credit approvals for consumer finance (LAP/Personal Loan/Mortgage/Auto/2W/CD) in NBFCs/Banks. Responsible for underwriting secured and hypothecated loans and ensuring adherence to credit policies and processes. Monitor and maintain loan portfolio quality and compliance with internal risk controls. Train and support CROs and branch teams in credit assessment and customer appraisal. Collaborate with Branch and Cluster Managers for portfolio review, risk mitigation, and loss control. Conduct regular training sessions and support collections monitoring. Excellent credit appraisal skills, decision-making balance, and adaptability required. Department: Credit & Risk | Reports to: Cluster Credit Manager Employment Type: Full Time, Permanent | Industry: NBFC/Banking

Job Title: Lead Analyst SME (Subject Matter Expert) Role Overview The professional will have the opportunity to work directly with New York stakeholders to primarily perform day-to-day originations/underwriting related tasks for Insurance funds. Function Overview Assist in the production of Screening Memos for the Originations Team: As part of the loan origination process, the Origination Team produces a screening memo that details property level information (photos, maps, property description, rent roll and cash flows), market information (comparable property metrics and location) and financing information (capital stack, debt yield and loan information). The initial goal is for company to participate in the production of screening memos with the potential to participate in the underwriting and approval process for deals that BREDS elects to finance and refinance as well. Focus is to work on all the asset classes such multifamily, retail, storage, Industrial etc. loans originated by the Insurance. The Candidate would be supporting on the different workflows as mentioned below: Agency Pre-screening and ICM: Screening/underwriting of Agency Loans (Fannie Mae), deriving Underwriting Value, using financial spreading, rent roll analysis and creation of Investment Committee Memo. Non-Agency/Deal Pre-screening and ICM: Screening/underwriting of Non-Agency Loans, deriving Underwriting Value, using financial spreading, rent roll analysis and creation of ICM. Loan Portfolio Stratification and ICM: Stratification of portfolio of loans belonging to various asset classes, assessing their risk exposure using their property level, loan level and performance metrices. Draw Review Process: Reviewing draw related Invoices, Proof of Payments, Construction Budget, TI/LC, etc. and updating the Draw Review Trackers accordingly. On Boarding the delas on AI Based platform with the help of various closing documents, Offering Memorandum, Loan Agreement etc. While the initial function will be to take direction from the Origination team members, the aspirational goal is to expand the Wipro scope to include the following: Extracting market and asset specific statistics from various data sources (for eg: CoStar or similar platforms) for the pipeline deals which are shortlisted for screening or underwriting. Comparing the key deal metrics which includes Occupancy, Cap Rates, Debt Yield, Cash Flow, NOI etc. of the pipeline deals with existing portfolio. Analyzing property pictures & map for location-based insights, preparing the capital stack (i.e., Equity vs. Debt) and presenting them in an excel and ppt format. Collecting and preparing sales and rent comparable of the target originations with the market data sourced through broker reports or web-based applications. Studying the demographics to understand the unit mixes, interpreting all sources of incomes & expenses through review of cash flows, ascertaining vacancy rates & rental income using rent rolls and using NOI to calculate key liquidity ratios i.e., DSCR, DY etc. Creating investment memorandums with the deal team ahead of investment committee. Conducting due diligence prior to closing of deal as per closing checklist. Data input in pipeline tool (i.e., DealPath, Loan Tapes) as and when required. Essential Skills & Experience: Must have a good knowledge of US Real Estate Industry and Market in underwriting the CML/CRE loans across all the sectors; along with hand on experience in underwriting the Multifamily agency (Freddie & Fannie) loans. Should be aware of the US taxes for different States and Counties; along with knowledge of various rent/sales comparable to be used in accordance with subject properties. Must be well versed with concepts of Cap Rate/Index rate/ LTC/LTV/Spreads/Cap Stack, Implied vs Cash Equity and various loan specific terminologies. In addition, should know the implications and effect of UW In-place and Mark to Market assumptions using property financials and its demographics through broker provided offering memorandum. Candidate should have the knowledge of US Market and Sub-Market to understand the deals demographics and its impact on the subject property. Hand on experience and proficient in preparing the dynamic financial models in MS excel. Masters degree Major in Finance or Banking and Capital Markets, CFA designation a plus. Exceptional quantitative aptitude and skill set with a mastery of Microsoft Office applications. Ability to manage multiple priorities in a fast paced, fluid environment. Previous background with real estate lending required with Debt Underwriting in real estate preferable. Rigorous analytical mindset with a high level of intellectual curiosity and excellent problem-solving skills. Acute focus on attention to detail, accuracy, and data validation. Effective communication skills (listening, verbal, and written). Excellent interpersonal and teamwork skills. Sound judgment and discretion. Strong initiative, energy and confidence completing assignments with limited supervision.

Greetings from JobShop, India's Largest BPO Recruitment Company One of our premium client is hiring for underwriter (please do not apply if you are a mortgage underwriter) We are looking for Candidates who have experience in underwriting of Business Loans, Insurance, Loans, Corporate Loans, Non Mortgage Loans Salary upto 6 LPA, work location Bengaluru, whitefield Call HR John 6362028414 / 9964080000 or visit jobshop.ai to explore other open positions with us

Exp. in US Mortgage Underwriting (Required) 4 Years+ (SME/Lead) - Upto 10 LPA 7 Years+ (AM) 14 LPA 10 Years+ (MGR) 18 LPA (Min. Team size handled - 50 FTE's+) Graduate ONLY 5 Days/Rotational Shifts/Cabs Please Call - 9999869475

Hiring for Insurance Underwriter Any graduate with 1 year exp in Underwriting (International Only) CTC-Upto 4.5 LPA WFO-US Shifts 5 days working Both side cab provided Notice-0-30 days Location-Bangalore