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  • Underwriting Specialist India
  • Better in India, , India
  • jobs
  • 3 weeks ago

jobs description

Founded in 2016, Better is a digital-first homeownership company whose services include mortgage, real estate, title, and homeowners insurance. We leverage creative technology and innovation to make the homebuying journey more approachable and understandable.

Our company is made up of driven, passionate people who bring their unique backgrounds and perspectives to everything we do. We are committed to fostering diversity, multiculturalism, and inclusion. We see the value in each person’s perspective and recognize their talents, regardless of what the market says. We believe it’s important to nurture a company culture that encourages curiosity and passion—from employee resource groups and learning opportunities to team outings and community outreach.

ABOUT THE TEAM

Beyond producing high quality loans, our goal is to build a product that will ultimately reduce the cost of homeownership in America. With offices in New York, Irvine, Charlotte and Gurgaon, we are expanding in order to... deliver a delightful borrower experience through a combination of technology and people. In joining our team, you will have a unique opportunity to join a growing team and you will play a critical role in delivering on the Better mission - making homeownership simpler, faster and more accessible for all Americans.

ABOUT THE ROLE

The Underwriting Specialist role uses established underwriting guidelines, to evaluate borrower financial and credit information in tandem with property valuations to make informed lending decisions on our more basic loan files. Our underwriting specialists work closely with all members of the production team throughout the process to bring loans to closing.

You will have the opportunity to underwrite a wide array of property, income and credit profiles. Additionally, there will be continued education to help you develop your underwriting skills and overall credit acumen, that will lead to a successful career in mortgage underwriting. We value the experience gained while in this role to help bridge the gap to becoming a seasoned Underwriting Specialist.

KEY RESPONSIBILITIES:
• Evaluate and recommend decision for agency conforming residential mortgage loans
• Verify and analyze all necessary financial information and documentation; ensure that loan files contain all necessary credit and legal documents
• Perform thorough analysis of applicant's income and expense data, asset documentation, and credit reports, in order to affirm borrower qualifies for loan.
• Calculate qualifying ratios, determine creditworthiness; provide risk opinions and recommendations (Conditionally Approve/Suspension)
• Maintain acceptable Quality Control standards set by the underwriting team.
• Communicate the documentation requirements to our internal processing partners .
• Engage in ongoing learning to expand mortgage underwriting around complex concepts and learn how to lean-into-the-grey.

QUALIFICATIONS :
• Bachelor's degree in finance, business, or a related field is typically required.
• Minimum 1 years experience in core US mortgage Underwriting.
• Strong analytical skills with the ability to evaluate complex financial documents.
• Knowledge of mortgage industry regulations, primarily conventional loan programs.
• Familiarity with underwriting software and automated underwriting systems (AUS) such as LP and DU.
• Excellent communication and interpersonal skills.
• Attention to detail and the ability to work independently
India

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