Senior Executive - Mortgage - US/UK

Talent Advisors; Dadri; On-site; INR 450,000 - 700,000; Full time

Job summary

Talent Advisors in India seeks a Mortgage Underwriting Associate to evaluate loan applications for residential mortgages. You will analyze income, assets, liabilities, credit, and collateral, review documents for accuracy, and apply agency and lender guidelines to determine loan eligibility.

You will maintain confidentiality, provide timely decisions to Mortgage Originators, and support cross-functional teams, meeting daily production, SLA, and quality targets while staying current with industry

Qualifications

• Bachelor's degree in any stream.
• 18 months plus experience in mortgage underwriting.
• Knowledge of US mortgage guidelines and loan processing documents.
• Strong analytical, time management and organizational abilities.

Responsibilities

• Evaluate and determine eligibility of residential mortgage (1-4 family) loan applications.
• Review income, assets, liabilities, credit and collateral for accuracy and risk.
• Review property documentation and ensure compliance with guidelines.
• Provide underwriting decisions promptly to Mortgage Originators.
• Maintain confidentiality and professional customer care.

Skills

Mortgage underwriting

US mortgage

Loan processing

Microsoft Office

Analytical skills

Communication

Education

Bachelor's degree

Tools

Agency underwriting systems

Job description

Full Job Description

The Mortgage underwriting associate evaluate and determine the eligibility of loan applications of residential mortgage (1-4 family) loans. Mortgage underwriting associate role includes but not limited to analyzing and verifying loan applications, review of all 4 Cs evaluating risks, and making loan eligibility decisions.
The incumbent ensures the accurate, efficient, and timely flow of information/documentation for 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 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/Rental/Wage/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 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 requirements

Qualifications Education:

Bachelors in any stream.

Experience:

18 Months years in creasingly responsible experience in related areas.

Knowledge/Skills/Abilities:

• Experienced mortgage professional with 18 Months plus experience in mortgage underwriting.
• Knowledge and understanding of US Mortgage
• Understanding of documents of Loan processing
• 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.