Position- Underwriter
Location- Cincinnati, OH
Duration-full time
Job Description-
Job Overview
Responsible for rendering decisions on credit applications for First
Mortgage and/or Home Equity loans based on established criteria. Determines
creditworthiness and risk associated with borrower based on credit profile.
Communicates decisions that most effectively mitigate credit risks for
CLIENT, including data integrity and validity of information submitted.
Applies understanding of established guidelines, Fair Lending and all other
regulatory requirements when evaluating loan attributes while utilizing
prudent underwriting judgment and experience.
Responsibilities
1. Works under limited supervision; acquires and applies intermediate
knowledge of the business, its products and processes. Uses established
procedures and significant job experiences to perform moderately complex to
complex work assignments and problem resolution.
2. Utilizes lending and exception authority and intermediate understanding
of all aspects of Mortgage and/or Home Equity underwriting and portfolio
guidelines to underwrite moderately complex to complex loan files. Assists
lower level Bank Credit Underwriters with loan files as needed.
3. Reviews and evaluates credit applications to assess the loan package for
approval of fraudulent activity, and provides feedback to the Processors to
improve the quality of the loan files.
4. Participates in projects for process and system enhancement initiatives
as assigned.
5. Maintains and applies intermediate knowledge of Real Estate underwriting
business and industry practices, and adheres to established Service Level
Objectives (SLOs).
Minimum Experience
- 4+ years underwriting experience.
- Intermediate knowledge of Processing, data analysis tools, and industry
data sources.
- Candidates fresh out of college /GED holders can apply. Selection will
be based purely on the candidate demonstrating a basic understanding of
mortgages and an ability to learn quickly
Minimum Education
High school diploma or equivalent
Knowledge/Skills/Attributes
-Intermediate knowledge of the industry and Fair Lending processes,
products, and services.
-Strong written and verbal communication skills.
-Ability to identify complex problems and review related information to
develop and evaluate options and implement solutions.
-Develops positive working relationships with others, and effectively
maintains them over time.
-Exhibits results-oriented attitude and behavior to accomplish business
goals.
-Demonstrates flexibility and adaptability to multitask and respond to
problems as they arise, including assisting lower level Bank Credit
Underwriters as needed.
· -Possesses critical thinking skills and decision making abilities.
Please provide me following details .
*Full Legal Name*
Contact Number
Email ID
Current Location
Willing to Relocate (Yes/No)
Visa Status and Validity
Skype ID
Availability
Total Work Experience
US Work Experience
Best Time for Evaluation
Hourly rate on c2c/1099/w2
Year of passing Bachelor’s Degree
Bachelor College Name
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