Operations Manager · Gurugram

Role & responsibilities

• The Mortgage underwriting associate evaluate and determine the eligibility of loan applications of residential mortgage (1-4 family) loans. Mortgage underwriting associate role includes but not limited to analyzing and verifying loan applications, review of all 4 Cs, evaluating risks, and making loan eligibility decisions. The incumbent ensures the accurate, efficient, and timely flow of information/documentation for offering quality and efficient services.

• Knowledge of mortgage underwriting and Agency automated underwriting systems

• Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines

• Review all mortgage applications and documentation for accuracy and completeness

• Review and be able to complete a full analysis of all types of income (Self/Rental/Wage/etc), Assets, Liabilities, Credit and Collateral.

• Analyze credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators

• Review property documentation including title commitments, sales contracts, insurance, and flood determinations

• Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud

• Review and analyze appraisals for value and compliance with industry requirements

• Demonstrate the ability to independently make sound decisions based on the creditworthiness of the applicants based on established underwriting guidelines, policies, procedures, knowledge, and experience

• Provide exceptional customer care (both internal and external) in a manner that satisfies the individual needs of each customer and builds loyalty to the client.

• Maintain confidentiality of all customer and employee information

• Respond positively to feedback and redirection

• Fully utilize systems, tools, training, and resources provided to maximize potential

• Assist other departments as needed

• Meeting daily production

• Meeting the daily SLA requirement

• Meeting the daily Quality requirements