US mortgage Underwriting

Job Description

• Confirm application information against all documents within the file
• Analyze all credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents.
• Knowledge to validate that a prospective mortgagors loan application adheres to the Investors , Secondary Investors (Fannie & Freddie) and guidelines of applicable government agencies to approve the loan
• Should have experience in Income Calculations
• Should possess analytical skills in reviewing the LTV/CLTV
• Review the eligibility of Property, Borrowers
• Evaluate debt ratio, loan-to-value ratios, credit score, property valuation
• Identify risk factors, including fraud red flags to determine or verify misrepresentation
• Condition files for missing/ supporting documentation as needed
• Test system updates as well as system changes as they occur
• Complete required trainings and assessments
• Ensure the appropriate and confidential handling / sharing of sensitive client data.
• Ensure all policies, procedures and guidelines are followed.