Pre-Underwriter (US residential mortgage)

Golden Opportunities

2 - 5 years

4 - 7 Lacs

chennai

Posted:2 weeks ago| Platform:

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Skills Required

pre underwriting mortgage processing expertise residential mortgage compliance checks knowledge of mortgage regulations policy documentation risk assessment claims processing

Work Mode

Work from Office

Job Type

Full Time

Job Description

The Pre-Underwriter will be responsible for reviewing and verifying loan applications, assessing borrower eligibility, and ensuring compliance with mortgage industry regulations. The role involves analyzing credit reports, financial statements, and property appraisals to determine loan approval decisions.

Role & responsibilities

Analyse and verify loan applications ensuring completeness and accuracy of documents.
Assess borrowers credit history, employment, income, and debt levels.
Confirm property value through appraisal reports.
Evaluate credit reports to determine borrower creditworthiness.
Analyse financial statements, tax returns, pay stubs and other income documentation.
Calculate debt-to-income (DTI) and loan-to-value (LTV) ratios.
Ensure compliance with mortgage regulations and company policies.

Preferred candidate profile

Bachelors degree with proven experience in mortgage processing or underwriting.
Strong knowledge of mortgage industry regulations and procedures.
Excellent analytical, organizational, and communication skills.
Ability to work under pressure and meet deadlines.
Certification in mortgage underwriting or related fields is a plus.

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