Position-Mortgage Analyst Location- Midland, MI , Cincinnati OH Duration-Full time
Job Description- The Mortgage Analyst is responsible for rendering credit decisions on incoming applications consistent with underwriting policies, underwriting mortgage commitments, and verifying supporting documentation as submitted by applicants. · Analyze income & employment, credit strength, property appraisal, check over debt to income (DTI) and Loan to Value (LTV) and all other information pertinent to the credit decision process on each mortgage application, as presented by the applicant. · Analyst to validate that a prospective mortgagor’s loan application adheres to the lenders, Investors (Freddie or Fannie Mae’s) and guidelines of applicable government agencies to approve the loan*.* · Analyzing the risk involved in approving a loan to determine whether or not it is acceptable to the lender. · Put conditions for missing documents required to approve the loan · Verify accuracy of supporting employment documents, source of down payment/reserves, appraisal value and property title commitment received. · Review of legal documents, if present, to ensure the accuracy & completeness. · Identify the mortgage insurance requirement (MI) and follow the MI guidelines, if applicable. Additional responsibilities for the Mortgage Analyst include: · Maintaining service level standards · Assisting in new-hire trainings · Perform internal Quality check, providing floor support and feedback to other staff · Responding to all emails efficiently · Adhering to all underwriting deadlines · Analyze income & employment, credit strength, property appraisal, check over debt to income (DTI) and Loan to Value (LTV) and all other information pertinent to the credit decision process on each mortgage application, as presented by the applicant. · Analyst to validate that a prospective mortgagor’s loan application adheres to the lenders, Investors (Freddie or Fannie Mae’s) and guidelines of applicable government agencies to approve the loan*.* · Analyzing the risk involved in approving a loan to determine whether or not it is acceptable to the lender. · Put conditions for missing documents required to approve the loan · Verify accuracy of supporting employment documents, source of down payment/reserves, appraisal value and property title commitment received. · Review of legal documents, if present, to ensure the accuracy & completeness. · Identify the mortgage insurance requirement (MI) and follow the MI guidelines, if applicable. Additional responsibilities for the Mortgage Analyst include: · Maintaining service level standards · Assisting in new-hire trainings · Perform internal Quality check, providing floor support and feedback to other staff · Responding to all emails efficiently · Adhering to all underwriting deadlines Knowledge/Experience: · Minimum 2 years of conventional mortgage underwriting experience · Knowledge of full loan cycle processing (from beginning to end) · Strong understanding of Desktop Underwriter (DU) and Loan Prospector(LP) Competencies/Skills: · Strong communication skills, verbal and written · Strong analytical skills · Demonstrated ability to resolve complicated issues as they arise · Proven organizational skills and demonstrated ability to prioritize and multi-task skills. Able to work through multiple computer programs and multi-computer monitors · Flexible (Willingness to work in shifts if required) · Knowledge of MS Office · Positive and flexible attitude · Attention to detail · Customer focused Good Team Player/Strong Interpersonal skills Qualifications: *Essential: * Graduates with minimum of 24 months of US Mortgage Underwriting experience. *Desirable: *Exposure to the FNMA and FHLMC guidelines would be an added advantage. Exposure and knowledge of MI guidelines · 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 Last 4 Digit Of SS# Date of Birth Year of passing Bachelor’s Degree Bachelor College Name -- You received this message because you are subscribed to the Google Groups "Citrix and Sap problems" group. To unsubscribe from this group and stop receiving emails from it, send an email to citrix-and-sap-problems+unsubscr...@googlegroups.com. To post to this group, send email to citrix-and-sap-problems@googlegroups.com. Visit this group at http://groups.google.com/group/citrix-and-sap-problems. For more options, visit https://groups.google.com/d/optout.
