WNS

Lead Associate - Operations

Gurgaon, HR, India · On-site · Full-time

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EmployerWNS
LocationGurgaon, HR, 122002, India
Work styleOn-site
Employment typeFull-time
Employer posted6 months ago

Position Summary: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 C’s, 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.Responsibilities:• 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

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Bachelors in any stream.

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