Senior Mortgage Risk Assessor

Mega Walkin Drive on 26nd and 27rd-Sep-2025 In Bangalore

Job Overview :

The Conventional Underwriter reviews, conditions and underwrites US mortgage loans in accordance with established

• policies and procedures and appropriate guidelines;

examines all documentation for accuracy and completeness.

Job Roles and Responsibilities :

Review and analyse the mortgage loan application to ensure eligibility, accuracy, completeness, and

compliance with internal and regulatory guidelines to minimize risk factors.

Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor

and the company.

Knowledge of Lending & Underwriting Guidelines | Credit & Income Analysis | Cash Flow Analysis | Risk

Assessment | Loan-to-Value Ratios | Debt-to-Income Ratios

Review Initial application - Verify loan, property, borrowers’ information with other available documents -

Verify borrower's monthly income and expenses - Verify other relevant sections.

Review all the documents related to borrower’s Credit, Capacity, Collateral and Capital.

Calculate asset required for closing and reserve purpose for the transaction (as per guideline)

Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines.

Provides final approval underwriting of mortgage loans.

prepares required forms.

Sign off conditions in a timely manner set by management.

Work with staff and management to find solutions on escalated loans.

May be requested to make recommendations for improving Internal Audit’s policies and practices.

Manage loans by using all functions of Encompass.

Effectively communicate underwriting decisions with processors and advisors

Maintain high level of customer service and communication with other departments.

Other duties as assigned.

Qualification & Experience

Degree or Equivalent

Minimum 4 years of experience in conventional / govt end to end underwriting.

Well-versed with all 4C’s of Underwriting (Asset, Income, Credit and Collateral)