US Mortgage Specialist

You are seeking an experienced US Mortgage Specialist to join the dynamic team in Hyderabad with a hybrid work model. The ideal candidate will have a deep understanding of US mortgage underwriting processes, regulations, and guidelines. You will be responsible for ensuring the accuracy and completeness of mortgage loan applications. Key Responsibilities: - Analyze and verify loan applications for eligibility, creditworthiness, and compliance with US mortgage lending regulations and guidelines. - Review financial statements, credit reports, and applicable ratios to make loan eligibility decisions. - Evaluate mortgage loan requests and assess risks based on credit, capacity, and collateral considerations. - Ensure collection, review, and accurate processing of all required documentation. - Collaborate with loan processors and officers to provide guidance on underwriting standards and requirements. - Stay updated with changes in underwriting procedures, criteria, and regulatory requirements. - Offer timely feedback to agents and clients on loan decisions, conditions, and additional requirements. - Maintain a high level of customer service through proactive communication with clients and stakeholders. Qualifications: - Bachelor's degree in Finance, Business Administration, or a related field. - Minimum of 5 years of experience in US mortgage underwriting. - Strong understanding of current US mortgage lending laws, regulations, and guidelines. - Familiarity with underwriting tools and software used in the US mortgage industry. - Excellent analytical and decision-making skills. - Strong attention to detail and accuracy. - Effective written and verbal communication skills. - Ability to work independently and collaboratively in a hybrid work environment. Preferred Skills: - Experience with FHA, VA, and conventional loan underwriting. - Certification in mortgage underwriting from a recognized institution. - Proficiency in risk analysis and mitigation.,