Walk-in || US Residential Mortgage - Pre Underwriting & QA Underwriting

PROCESSES:

U.S Residential Mortgage Underwriting

Responsibilities/Expertise:

• A Minimum of 4+ years work experience in US Residential Mortgage specifically in US Residential Underwriting
• Expertise in Underwriting – Reviewing Income, Credit, Collateral & Capital
• Expertise in calculating all type of Incomes (Salaried/Self Employed and Other Income), Asset & Ratios
• Must have experience in Underwriting all type of loans Purchase/Refinance/Construction
• Expertise in reviewing the Guideline (Fannie Mae & Freddie Mac)
• Evaluating the Loan documents for approval/rejection
• Review Appraisal document to identify whether the property has been evaluated correctly
• Assessing loan attributes and documentation for soundness and accuracy
• Approving/Denying/Counter Offer the loans after verifying borrower eligibility

Generic Skills:

• Must hold a degree
• Seek opportunities to improve knowledge, skills, and performance
• Excellent written & verbal English communication skills
• Excellent logical and analytical skills
• Ability to connect dots, identify red flags
• Suggest improvement ideas to current processes based on developed expertise
• Demonstrate initiative and always maintain a high degree of professional conduct
• Participate in team initiatives and actively contribute to team success
• Flexible to work in shifts
• Ability to handle Business Email communication with no assistance
• Ability to summarize notes (clear & crisp), key findings on underwritten loans