Senior Financial Analyst

eClerx

Pune City

On-site

INR 700,000 - 1,000,000

Full time

14 days+

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Job summary

A financial services company in Pune seeks a Mortgage Underwriter responsible for assessing the creditworthiness of loan applicants and ensuring compliance with regulations. The ideal candidate has proven experience in mortgage underwriting and exceptional analytical skills. Key responsibilities include credit analysis, document verification, and loan decision-making. This is a full-time position offering professional growth in the finance sector.

Qualifications

Proven experience as a Mortgage Underwriter with a strong understanding of loan programs.
Expertise in credit analysis, income/asset calculation, and appraisal review.
Exceptional analytical and decision-making skills.

Responsibilities

Perform comprehensive analysis of borrower credit profiles and payment history.
Conduct thorough reviews of property appraisals.
Review all loan documents for accuracy and completeness.

Skills

Credit analysis

Document verification

Analytical skills

Communication skills

Job description

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Job Description :

Overview: The Underwriter is responsible for critically assessing the creditworthiness of loan applicants and the eligibility of properties, ensuring all loans meet the Bank's guidelines and regulatory requirements. This role involves a deep dive into financial data, property valuations, and loan documentation to render informed loan decisions.

Key Responsibilities:

Credit Analysis: Perform comprehensive analysis of borrower credit profiles, including credit reports, debt-to-income ratios, and payment history.
Property Analysis: Conduct thorough reviews of property appraisals to confirm valuation, condition, and marketability.
Document Verification (Advanced): Re-verify and critically evaluate income, asset, and credit documents to ensure accuracy and consistency with underwriting guidelines.
Loan Document Review: Review all subsequent loan documents received post-processing for accuracy and completeness.
Condition Generation: Clearly define and add specific conditions necessary for loan approval, communicating these effectively.
Loan Decisioning: Make informed decisions on loan applications (approve, conditionally approve, or deny) based on comprehensive analysis and adherence to guidelines.
Underwriting Memo Completion: Complete detailed Underwriting Memos or worksheets as required, documenting the rationale for loan decisions and conditions.
Compliance & Regulatory Adherence: Strictly adhere to the Bank's compliance policies and procedures, ensuring all operations meet regulatory compliance requirements.

Qualifications:

Proven experience as a Mortgage Underwriter with a strong understanding of conventional, and potentially FHA/VA, loan programs.
Expertise in credit analysis, income/asset calculation, and appraisal review.
Exceptional analytical and decision-making skills.
Thorough knowledge of federal and state mortgage lending regulations.
Ability to work independently and manage a pipeline of loans efficiently.
Strong written communication skills for documenting loan decisions.

Seniority level