US Mortgage / Live underwriting / Front end underwriting

Qualification - Any Graduate & Post Graduate

Excellent Communication (Verbal & Written) Flexible In shift NightNotice period- Immediate to 15daysSkills- Summary: The Underwriter is responsible for assessing the risk of a borrower being able to repay their mortgage to the lender, decision the loan adhering to the regulatory guidelines and company policy & procedures as well.

Job Duties: Underwrite and decision loans to comply with state and federal regulations. Should be able to underwrite all Tiers; including complex loan transactions. Maintain client SLA expectations: Achieves individual Underwriter quality benchmarks. Achieves individual production goals and turn times. Knowledge of Conventional (mandatory), Non-WM and/or Government (FHA, VA and/or USDA loans) UW Guidelines (added advantage) Should know Fannie & Freddie guidelines.

Ensuring compliance with company policies and guidelines. Analyze appraisal report and collateral offered in the loan application to determine acceptability and appropriate loan to value ratios for decisions. Perform Income calculation, debt to income ratios, review/analyze complex asset statements, financial statements, as well as personal and business income tax returns to render a decision. Analyze and review title opinions for decisioning on all loan applications. Documenting and effectively communicating reasons for the approval/rejection of loans. Decision and review completion of the required conditions to approve loan and communicate requirements to appropriate parties. Qualifications: To perform this job successfully, an individual must be able to perform each essential function satisfactorily.

The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job. Successful experience working as an Underwriter Must be detail oriented and can comprehend and effectively communicate Education and/or Experience: Graduation 2 years mortgage underwriting experience (preferably origination/front-end/live UW) Supervisory skills preferred

Language Skills: Strong written & verbal communication Proficiency in reading, writing & understanding English language Ability to read, and interpret borrower documentation, company policies, procedures, guidelines, reports, and legal documents. Individual must have the ability to respond to common inquiries or complaints from clients. Strong email etiquette Mathematical Skills: Ability to calculate figures and amounts such as discounts, interest, commissions, and percentages.

Reasoning Ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. Others: Displays initiative and drive for results Able to work independently Problem solving and resolution skills Proven decision-making skills Proven quality acumen Ability to analyze data/reports and provide accurate assessments Ability to work with minimal supervision Organizational skills Good working knowledge of Microsoft Excel, Word and Outlook