Key skills
Communication
About this role
Role Overview
- An Underwriting Specialist is responsible for reviewing mortgage loan applications, assessing the applicant's creditworthiness, and ensuring that the loan complies with all relevant guidelines and regulations.
- Thoroughly review mortgage loan applications to ensure all required documentation is included.
- Verify applicant information, such as income, employment history, credit history, and assets.
- Analyze the applicant's credit report and credit score to assess creditworthiness.
- Evaluate the risk associated with each loan application based on the applicant's financial profile.
- Make informed decisions regarding loan recommendation, suspension, or conditional approvals.
- Collaborate with other departments, such as loan processing and closing, to ensure a smooth and efficient loan closing process.
Requirements
- Bachelor's degree in finance, business, or a related field is typically required.
- Minimum 2 years' experience in US mortgage underwriting.
- Strong analytical skills with the ability to evaluate complex financial documents.
- Knowledge of mortgage industry regulations, primarily conventional loan programs.
- Familiarity with underwriting software and automated underwriting systems (AUS) and LP.
- Excellent communication and interpersonal skills.
- Attention to detail and the ability to work independently.
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.