Underwriter

You will be responsible for processing loan applications and ensuring accurate data entry and documentation collection. Your key responsibilities will include: - Order setup of new loan files in the Loan Origination System (LOS) - Gather borrowers" initial application, credit report, income, assets, and property documentation - Order and track appraisals to validate property value and condition - Obtain Verification of Employment and Verification of Deposit - Communicate with borrowers, loan officers, and third parties to obtain outstanding or missing documentation - Organize all required documents systematically for underwriting submission - Conduct a thorough review for accuracy, completeness, and potential red flags - Deliver processed and validated loan files to underwriting In the underwriting phase, you will be responsible for: - Analyzing borrower credit, income, assets, liabilities, and property documents against program/investor guidelines - Verifying borrower's creditworthiness and program eligibility - Accurately calculating Debt-to-Income (DTI) and Loan-to-Value (LTV) ratios - Reviewing appraisals for accuracy, value, condition, and marketability - Identifying red flags, inconsistencies, and potential fraud indicators - Issuing conditional approvals, suspensions, or denials based on file review - Working with processors and loan officers to communicate conditions and review additional documents - Issuing final clear-to-close once all conditions are satisfied About the company: ThoughtFocus is a forward-looking company that helps organizations innovate and achieve a better future faster through cutting-edge technology solutions. With headquarters in the U.S. and over 3,000 employees in five countries, the company focuses on executional excellence and mitigating the risk of change. To learn more, visit www.thoughtfocus.com.,