Live underwriter

• Loan Application Review: Analyse and verify loan applications, ensuring all required documents are complete and accurate
• Assess the borrower's credit history, employment, income, and debt levels
• Confirm the property's value through appraisal reports
• Credit and Financial Analysis: Evaluate credit reports to determine the borrower's creditworthiness
• Analyse financial statements, tax returns, pay stubs, and other income documentation
• Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios
• Property Valuation Review: Review appraisals and alternative value products for conformity to client-specified requirements to assess the accuracy of the property valuation
• Compliance and Risk Assessment: Ensure loans comply with all federal, state, and local regulations
• Adhere to company policies and guidelines
• Identify potential risks and assess the overall risk level of the loan

• Any bachelor’s degree
• Proven experience in mortgage processing or underwriting
• Strong knowledge of mortgage industry regulations and procedures
• Excellent analytical and problem-solving skills
• Detail-oriented with exceptional organizational abilities
• Proficiency in using mortgage processing software and financial tools
• Effective communication and interpersonal skills
• Ability to work efficiently under pressure and meet tight deadlines
• Solid understanding of financial statements and credit reports

Certification in mortgage underwriting or related fields is a plus