Senior Analyst – Underwriting Services

Role Overview

• Completing the final underwriting review of the Conforming loans by thoroughly examining collateral and basic credit documents to ensure loans are prepared for closing in accordance with agency guidelines.
• Analyzing collateral documents such as title, tax certificate, appraisals, and homeowner’s insurance policies to access their influence on Underwriting decisions.
• Through review of the Automated Underwriting System during final review and ensure that any red flags or special messages are addressed before issuing final review.
• Ratio calculation during final approval and ensuring the ratio of Loan Origination Software matches with the Automated Underwriting System.
• Meet production goals while maintaining quality and compliance.
• Uncover any undisclosed debt or other missing financial information and ensure there is not any potential fraud present in the loan application.
• Collaborating with Loan team, Underwriters, Collateral, and other cross functional teams to ensure pending loan tasks are completed.
• Maintain acceptable Quality control standard.
• Reviewing and clearing the tasks related to Credit, income and assets required before Final approval can be issued.

Requirements

• Bachelor's degree with a minimum of 2 years of experience in US Mortgage.
• Knowledge of Agency guidelines for decision making.
• Understanding of Credit and Collateral documents.
• Meticulous attention to detail.
• Strong data analysis capability and ability to clearly communicate findings to Leadership loan teams and borrower.
• Knowledge of FNMA and Freddie Mac Guidelines.
• Detailed understanding of credit report, income, assets, and collateral documents.

Benefits

• Experience our comprehensive office perks, including daily meals and transport facility for commuting to and from the office, available for all employees coming to the office.
• Our comprehensive medical plan is available for you, your spouse and dependents. Employees are covered under Mediclaim, Group Term life insurance and Accidental insurance.
• Experience flexibility with our night shift allowance, work from home allowance and transportation allowance, where applicable. We prioritize your convenience.