Underwriter - U.S Mortgage

As a U.S Mortgage Underwriter based in Chennai, you will play a pivotal role in the mortgage lending process by evaluating the creditworthiness and risk profile of potential borrowers. Your responsibilities will include analyzing financial information, reviewing loan applications, and making well-informed decisions regarding the approval, conditional approval, or denial of mortgage loans. It is essential to ensure that all loans adhere to the company's lending standards and regulatory requirements. Your key responsibilities will involve reviewing and verifying loan applications to ensure the completeness and accuracy of all required documents. You will assess the borrower's credit history, employment status, income, and debt levels while confirming the property's value through appraisal reports. Additionally, you will evaluate credit reports to determine creditworthiness, calculate debt-to-income ratios, and review property valuations for accuracy. Furthermore, you will be responsible for ensuring compliance with federal, state, and local regulations, as well as company policies and guidelines. Identifying potential risks and evaluating the overall risk level of loans will be crucial aspects of your role. To excel in this position, you should possess a bachelor's degree and have proven experience in mortgage processing or underwriting. A strong understanding of mortgage industry regulations and procedures is essential, along with excellent analytical and problem-solving skills. Attention to detail, exceptional organizational abilities, and proficiency in mortgage processing software and financial tools are key requirements. Effective communication skills, the ability to work under pressure and meet deadlines, and a solid grasp of financial statements and credit reports are also essential. Certification in mortgage underwriting or related fields would be advantageous. If you are open to working night shifts and have a notice period of up to 45 days, we invite you to join our team and contribute to our mission of providing quality mortgage services.,