Underwriter - US Mortgage Entra Solutions Pvt. Ltd. (A BSI Financial Services Company)

5.0 - 9.0 years

0 Lacs

haryana

On-site

As a Senior Analyst, you will be responsible for conducting thorough analyses of loan files to evaluate credit worthiness, underwriting in compliance with current guidelines from multiple investors, handling complex income scenarios, addressing post-closing reviews and audits, and supporting various operational areas as required. Your primary duties will include conducting meticulous and precise analyses, preparing financial statement spreadsheets, assessing borrower credit worthiness, documenting detailed loan request analyses and borrower financial conditions, assigning appropriate loan grades, identifying policy exceptions, and shepherding Credit Approval Documents and Memoranda through the loan approval process. You must possess a comprehensive understanding of mortgage regulations, including familiarity with the Standard Operating Procedures manuals for Conventional, Jumbo, FHA, and VA loans. Additionally, staying informed about program eligibility, structures, and parameters for Conventional, Jumbo, FHA, and VA loans is crucial, along with adapting to any program changes. Your responsibilities will also involve preparing and analyzing borrower financial statements and tax returns, providing insights on financial performance, and collaborating with investors to ensure accurate loan origination. You will be required to research and interpret financial data, create reports on financial positions, assess borrower credit worthiness, and determine appropriate loan grades. Furthermore, you will be tasked with training staff on various underwriting matters such as appraisals, credit reports, income calculations, and credit guidelines. The ideal candidate should be highly organized, possess excellent communication skills, both written and verbal, be detail-oriented, have strong data analysis capabilities, and exhibit logical reasoning skills. Qualifications for this role include a minimum of a Bachelor's degree, at least 5 years of experience in QM underwriting Conventional loans, and familiarity with underwriting FHA and VA loans is an added advantage.,

Posted 1 month ago

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