Roles & Responsibilities: Loan Origination.• Having Knowledge of the US Mortgage Industry with origination experience.• Working in live underwriting.• Most of the risk and terms that underwriters consider fall under the four C’s of underwriting: Credit, Capacity, Collateral and Capital.• Working on all types of loans like Conventional purchase, Refinance, ARM, FHA and VA purchase loans.• Assemble, Check and verify accuracy and completeness of all loan documentation necessary for loan underwriting, mainly: Application, Note, Income docs, AUS, Credit Report, Appraisal report & Assets.• Process the loan to filling the Borrower details like, Borrower details, Employment, Assets & Liabilities, Credit reports, Residence address and match the debt to income ratios.• Doing quality check for loans processed by associates.• Helping & Resolving queries pertaining to the Mortgage loan process.• Maintain quality & accuracy as per client requirement.• Checking appraisal information and escalate to appraiser review.Roles & Responsibilities: Loan certification.• Application: Receiving signed loan documents from Clients (Lender/Broker).• Verification : Loan documents to be verify according to the types of loans (Equity, Refinance, Increase).• Title Certify: Examine the property related documents, like open mortgages, Liens, Judgements (Certified and uncertified) and marking release based on the cenarious.• Disbursement: Verifying the customer account numbers, Payout the previous loans and credit card.• Post Settlement: Preparing Settlement Instruction and sending to the Customer’s address.
