US mortgage Underwriting

 Review loan files for completeness and accuracy

• 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.