ABOUT THE TEAMAs an Underwriting Services Analyst, it is our responsibility to make intelligent and informed risk decisions that are rooted in knowledge and experience. Through the talent of our team we are making the homeownership process simpler, faster - and most importantly, more accessible for all Americans. ABOUT THE ROLE As an Underwriting Services IC, you will play a crucial role in ensuring the accuracy and completeness of mortgage applications, evaluating financial documents, and assessing the creditworthiness of applicants.You will have the opportunity to review a wide array of property, income and credit profiles. Additionally, there will be continued education to help you develop your skills and overall credit acumen, that will lead to a successful career in the mortgage industry. We value the experience gained while in this role to help bridge the gap to becoming a seasoned Underwriting Services analystABOUT YOU● Any Bachelor’s degree. However, a Bachelor's degree in finance, business, or a related field is a plus.● Minimum 2 years experience in US mortgage Underwriting.● Strong analytical skills with the ability to evaluate complex financial documents.● Knowledge of mortgage industry regulations,primarily conventional loan programs.● Excellent communication and interpersonal skills.● Flexibility to work in different time zones to accommodate US-based calls. ● Attention to detail and the ability to work independently.● Having a knowledge of Collateral documents is a plus. RESPONSIBILITIES● Understanding of 4 C's of Underwriting.● Verify applicant's Credit, Income, Asset and Collateral documentation along with Purchase contract agreements. ● Deep understanding of Ratio Calculation and AUS reading.● Ensure correct documents are processed in company tools and portals used for underwriting.● Ensure compliance with company policies, industry regulations, and underwriting guidelines throughout the evaluation process.● Communicate effectively with applicants, loan officers, and other internal stakeholders to request additional information, explain decisions, and provide feedback.● Maintain accurate records of underwriting decisions, reasons for approval or rejection of documents, and any additional documentation required.● Stay up-to-date with industry trends, regulatory changes, and evolving underwriting practices to continuously improve the underwriting process.● Initiate outbound calls or emails to collect essential information regarding the borrower.Apply for this job