US Mortgage Underwriter

A Mortgage Underwriter here will determine the eligibility of loan applicants or authorize purchases through underwriters for lenders

You will be analysing and verifying loan applications, evaluating financial risks and making final decisions on eligibility

Ultimately, you will work with a team of financial experts to determine the qualifications of applicants to accept or decline different types of loans

Roles and Responsibilities

Problem solving ability by connecting the dots across the loan documentation

Perform end to end risk analysis of a loan file

Evaluate loan risk through verification of loan application

Maintain a thorough working knowledge of industry standards and guidelines

Ability to interpret & action for any guideline changes

Reviewing & responding to loan conditions as necessary

Ensuring compliance with regulatory standards

Perform other duties as assigned by Management

Meet daily targets & all SLAs as communicated

Requirements

Graduate in any discipline

2 - 5 years of relevant experience in pre-underwriting/processing. General knowledge of Fannie Mae, Freddie Mac, FHA and VA guidelines a plus

Detail oriented

Adhere to strict timelines prescribed by the Management and provide the review Experience working in a production environment preferred.

Good Verbal and written communication skills

Should have good analytical skills and have the ability to make decisions based on facts

Competent with MS office applications, LOS, LMS, Selling guide navigation

Knowledge of standard mortgage nomenclature

Shift: Should be flexible with both day & night shift & okay to work over the weekends if required