Senior Mortgage Risk Analyst
5 days ago
Job Description
Mortgage Underwriters at Gratitude Philippines play a critical role in ensuring the integrity of our loan portfolio. As a seasoned professional, you will be responsible for reviewing and analyzing mortgage loan applications to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines.
We are seeking an experienced underwriter who can make independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines. You will provide final approval for mortgage loans and ensure that all required paperwork and forms are completed in a timely and accurate manner.
Your key responsibilities will include:
- Reviewing loan data, reports, and inspections to ensure collateral is acceptable to investors and the company
- Making independent decisions regarding acceptance and risk of loans
- Providing final approval for mortgage loans
- Completing required paperwork and forms in a timely and accurate manner
- Working with staff and management to resolve escalated loans
- Maintaining high levels of customer service and communication with other departments
To be successful in this role, you will need:
- Bachelor's degree or equivalent experience
- Minimum 1 year of experience in mortgage underwriting
- Thorough knowledge of financial and non-financial supporting documentation
- Knowledge of risk and compliance in lending, particularly FNMA and FHLMC underwriting standards
- Knowledge of underwriting procedures for conventional, correspondent, reverse mortgage, FHA, and VA loans
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