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Job Opening:  Quality Analyst � Loan Processing

Designations
 Quality Analyst � Loan Processing
Job Description
 
  •           Performs full review of mortgage applications, verifies         accuracy of information entered into processing systems
  •        Analyze borrowers credit profile, collateral and capacity to repay the proposed mortgage obligation
  •      Perform thorough analysis of applicant's income and expense data, self-employment documentation, credit reports, and property valuations in order to affirm borrower qualifies for loan
  •      Interpret credit policy guidelines and investor guidelines (all FNMA, FHLMC, FHA, VA & USDA) and apply them to specific loans for effective sale in the secondary market
  •        Accurately calculate borrowers income and debt-to-income ratios
  •        Quick with taking decisions on the credit worthiness of the borrower based on underwriting guidelines
  •        Assembles documents in loan file, approves or rejects loan application or requests additional information within reasonable time frame to originating mortgage loan officer
  •        Records loan rejection, specifying investor and guidelines and basis for declining applications.
  •        Understands policy and procedures for approving loans; loan-to-value (LTV) and debt-to-income (DTI) ratios by using income, assets, property appraisals and uses sound judgment on applications reviewed.
  •        Responsible for identifying various Mortgage loan documents and index them in sixty plus pre-defined categories
  •        Intelligent data capture from source documents as per defined business rules
  •        Order services which includes but not limited to Appraisal, Flood Determination Certificate, VOD/VOR/VOM as required, Tax transcripts, SSA-89, Home insurance, Prelim report
  •        Review and update information in Loan Originating System (LOS) as per submission documents              
  •        Update information in LOS if discrepancy exists
  •        Perform compliance check
  •        Notify Client Processing team on completion
Desired Profile
 

                              Meeting goals as per the defined key result areas

             Maintaining a track of daily processed transactions and reporting on a timely and accurate manner to Process Supervisor / Team lead

                Appearing and qualifying all periodic process assessments with defined benchmark scores

                      -       Adherence to process SLA’s

                      -       Best practice sharing

                      -       Help in cascading process updates  

Experience
 12-24 months experience in US mortgage industry
Industry type
 
Role
 Quality Analyst � Loan Processing
Functional Area
 
Education
 Graduate and or Post Graduate
Compensation
 
Location
 Gurgaon & Chennai
Keywords
 Desktop Underwriter (DU) & Loan Prospector (LP),mortgage loan documentation
Contact
 Sakthivel G
Telephone
 9092126444
Email
 sakthi@venpastaffing.com
Job posted
 2016-12-13
Reference
 
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