Role Purpose

　　Hands on experience in MS office applications Good verbal & written communication -Ability to handle demanding working environment and work under pressure. Candidates with 3-4 years of mortgage processing experience and a background in Mortgage Originations Ops Willingness to learn / Trainable / Problem solver. Attention to detail - Has to be accurate on numbers and deliver in timely manner

　　Roles & Responsibilities:

　　- Ability to manually underwrite complex transactions to ensure the loan meets established guidelines.

　　- should have experience in mortgage insurance guidelines

　　- Underwriter should have the ability to read the guidelines to determine whether each loan meets the requisite guideline as specified by the Client.

　　- Should know how to run the AUS and verify the data integrity off the Desktop UW / Loan Prospector

　　- Review the Employment Guideline Requirements

　　- Perform Income calculations (salaried / Self-employed / Rental / Other Incomes)

　　- Validate all type of Assets including 401K, Bank Statements, Mutual funds etc.,

　　- Usage of Assets against Income requirement / qualification

　　- Calculate Debt-to-Income Ratio, Loan-to-value Ratio, Housing Payments

　　- Review appraisal and perform Property Valuation and use property valuation tools

　　- Review Credit Report including Credit Scores, Existing liens, payments etc.,

　　- Should also review on the alternate / support documents for credit review.

　　- Title review and lien validations

　　- Review loan details in Loan application, Letter of explanations, gift letters

　　- Income verification on Bank statement loans.

　　- Client specific guideline review with alternate documentations

　　- Understanding on Counteroffer and Solution the loan

　　- Review on compliance documents

　　Qualifications:

　　Graduates / Postgraduates in any stream

　　Mortgage(Originations)