Us Mortgage Process Associate

Role & responsibilities : Job Overview:
The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established
policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness.
Job Roles and Responsibilities:

• Review and analyse the mortgage loan application to ensure eligibility, accuracy, completeness, and
  compliance with internal and regulatory guidelines to minimize risk factors.
• Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor
  and the company.
• Responsible for making independent decisions regarding acceptance and risk of loans according to
  HUD, company, and investor guidelines.
• Provides final approval underwriting of mortgage loans.
• Completes all required paperwork and forms in a timely and accurate manner; prepares required forms.
• Sign off conditions in a timely manner set by management.
• Work with staff and management to find solutions on escalated loans.
• May be requested to make recommendations for improving Internal Audits policies and practices.
• Manage loans by using all functions of Encompass.
• Effectively communicate underwriting decisions with processors and advisors
• Maintain high level of customer service and communication with other departments.
• Other duties as assigned.
  Qualification & Experience
• Degree or Equivalent
• Minimum 3 years of experience in conventional/govt end to end underwriting.
• Well-versed with all 4C’s of Underwriting (Asset, Income, Credit and Collateral