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Senior Financial Analyst

Senior Financial Analyst

eClerx

0 years

0 Lacs

Pune Maharashtra India

Posted:2 days ago| Platform:

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Skills Required

zoom drive creditworthiness data documentation analysis reports valuation verification consistency underwriting processing compliance calculation lending pipeline communication

Work Mode

On-site

Job Type

Full Time

Job Description

Hi ,

Greetings from eClerx Services Ltd.

You are invited to register for a Zoom webinar!

When:

Topic:

Contact Person:

Email id:

https://eClerx.zoom.us/webinar/register/WN_HqkPJIUBTA280pUVsDR0XQ

After registering, you will receive a confirmation email containing information about joining the webinar.

Residential Mortgage Underwriter

Overview: The Underwriter is responsible for critically assessing the creditworthiness of loan applicants and the eligibility of properties, ensuring all loans meet the Bank's guidelines and regulatory requirements. This role involves a deep dive into financial data, property valuations, and loan documentation to render informed loan decisions.

Key Responsibilities:

Credit Analysis: Perform comprehensive analysis of borrower credit profiles, including credit reports, debt-to-income ratios, and payment history.
Property Analysis: Conduct thorough reviews of property appraisals to confirm valuation, condition, and marketability.
Document Verification (Advanced): Re-verify and critically evaluate income, asset, and credit documents to ensure accuracy and consistency with underwriting guidelines.
Loan Document Review: Review all subsequent loan documents received post-processing for accuracy and completeness.
Condition Generation: Clearly define and add specific conditions necessary for loan approval, communicating these effectively.
Loan Decisioning: Make informed decisions on loan applications (approve, conditionally approve, or deny) based on comprehensive analysis and adherence to guidelines.
Underwriting Memo Completion: Complete detailed Underwriting Memos or worksheets as required, documenting the rationale for loan decisions and conditions.
Compliance & Regulatory Adherence: Strictly adhere to the Bank's compliance policies and procedures, ensuring all operations meet regulatory compliance requirements.

Qualifications:

Proven experience as a Mortgage Underwriter with a strong understanding of conventional, and potentially FHA/VA, loan programs.
Expertise in credit analysis, income/asset calculation, and appraisal review.
Exceptional analytical and decision-making skills.
Thorough knowledge of federal and state mortgage lending regulations.
Ability to work independently and manage a pipeline of loans efficiently.
Strong written communication skills for documenting loan decisions.

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Senior Financial Analyst