Underwriter

Role : Mortgage Underwriter

Experience : Min 2 years

Shift timings : US Shift

Job location : Remote

Job Description :

• The Mortgage underwriting associate evaluate and determine the eligibility of loan applications of residential mortgage 1 to 4 family loans.
• Mortgage underwriting associate role includes but not limited to analyzing and verifying loan applications, review of all 4 C s, evaluating risks, and making loan eligibility decisions. The incumbent ensures the accurate, efficient, and timely flow of information or documentation for offering quality and efficient services
• Knowledge of mortgage underwriting and Agency automated underwriting systems Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines.
• Review all mortgage applications and documentation for accuracy and completeness. Review and be able to complete a full analysis of all types of income Self or Rental or Wage or etc, Assets, Liabilities, Credit and Collateral. Analyze credit, income, and assets on a loan by loan basis to properly assess individual risk and promptly provide underwriting decisions to Mortgage Originators.
• Review property documentation including title commitments, sales contracts, insurance, and flood determinations.
• Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud.
• Review and analyze appraisals for value and compliance with industry requirements.
• Demonstrate the ability to independently make sound decisions based on the creditworthiness of the applicants based on established underwriting guidelines, policies, procedures, knowledge, and experience Provide exceptional customer care both internal and external in a manner that satisfies the individual needs of each customer and builds loyalty to the client Maintain confidentiality of all customer and employee information Respond positively to feedback

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