Mortgage Underwriting Analyst

Job Description

Required Skills

Responsibilities

• Review and enter loan information as per current underwriting guidelines into the loan system.
• Analyze income by reviewing and validating US financial documents such as Paystubs, W2s, Tax Returns, and K-1s.
• Conduct credit analysis by reviewing consumer credit reports, assessing credit scores, delinquencies, and public records.
• Perform balance sheet and financial analysis, determining liquid and non-liquid assets and liabilities.
• Review relevant underwriting conditions based on the loan application and ensure timely clearance.
• Review and analyze collateral documents to ensure compliance with company policies and regulatory requirements.
• Identify credit risks, collateral variances, and deviations from standard underwriting guidelines.
• Adhere to the 30-day timeline for all credit decisions from a Regulation B (ECOA) standpoint.
• Collaborate with global stakeholders and internal teams to drive the mortgage origination process.
• Communicate findings and recommendations clearly to relevant parties.
• Maintain accurate records and documentation for all underwriting decisions.