Underwriter

Full Job DescriptionPosition Summary:The Mortgage underwriting associate evaluate and determine the eligibility of loan applicationsof residential mortgage (1-4 family) loans. Mortgage underwriting associate role includes butnot 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/documentationfor offering quality and efficient services.Responsibilities: Knowledge of mortgage underwriting and Agency automated underwriting systems Demonstrate a full understanding of agency guidelines as well as posted Lender internalguidelines 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/Rental/Wage/etc), Assets, Liabilities, Credit and Collateral. Analyze credit, income, and assets on a loan-by-loan basis to properly assess individualrisk, 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 industryregulations, including assisting in the prevention, detection, and resolution of mortgagefraud Review and analyze appraisals for value and compliance with industry requirements Demonstrate the ability to independently make sound decisions based on thecreditworthiness of the applicants based on established underwriting guidelines,policies, procedures, knowledge, and experience Provide exceptional customer care (both internal and external) in a manner thatsatisfies the individual needs of each customer and builds loyalty to the client Maintain confidentiality of all customer and employee information Respond positively to feedback and redirection Fully utilize systems, tools, training, and resources provided to maximize potential Assist other departments as needed Meeting daily production. Meeting the daily SLA requirement Meeting the daily Quality requirementsQualifications Education: Bachelors in any stream.Experience: 2+ years’ increasingly responsible experience in related areas.CTC: 12 LacsWork from homeKnowledge/Skills/Abilities: Experienced mortgage professional with 2-3 years with mortgage underwriting. Has a complete understanding of Conventional, FHA and VA underwriting guidelines. Has working knowledge of real estate lending criteria and federal, state, and agencycompliance Can multi-task and manage time efficiently Has strong organizational skills, attention to detail, and basic Microsoft Office skills Good analytical and problem-solving skills. Strong organization and verbal and written communications skills. Highly adaptive and open to changes as the organization grows and its needs evolve.

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