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Credit Analyst

Employer
Coppergate Consultants
Location
Mumbai, Maharashtra, India
Salary
Competitive Salary
Closing date
Oct 1, 2020

View more

Job Role
Credit Control
Sector
Finance
Contract Type
Permanent
Hours
Full Time
Roles and Responsibilities
Review loan files for completeness and accuracy including but not limited to calculation and verification of income & assets,
evaluation of credit reports, purchase contracts, appraisals, title commitments, VOE, tax returns, divorce decrees, and other loan pertinent compliance documentation
Evaluate debt & loan-to-value ratios, credit score, property valuation and various other factors
Determine and document loan conditions, communicate requirements, and/or decisions
Identify salability issues, potential fraud and portfolio risks based on trends, red flags and clients business practices
Maintain knowledge of all applicable agency and non-agency underwriting guidelines
Analysis and Calculation of qualifying income from various tax documents such as 1040s, Schedule E, 1065, 1120, 1120S, K1, transcripts, etc
Exhibit working knowledge of AUS to determine applicable loan conditions
Analysis of Credit Reports and Bank Statements
Such other activities as may be assigned by your manager

Desired Candidate Profile
Demonstrated understanding of mortgage guidelines and policies for VA, FHA, FNMA, FHLMC & USDA
Knowledge and familiarity with current mortgage policies/procedures, compliance laws and regulationsincluding TRIDand understanding of mortgage regulatory changes
HSC / Graduate with minimum 3+ years of recent US Mortgage underwriting and/or due diligence (post-close) experience in the residential mortgage industry
Perks and Benefits

Roles and Responsibilities Review loan files for completeness and accuracy including but not limited to calculation and verification of income & assets, evaluation of credit reports, purchase contracts, appraisals, title commitments, VOE, tax returns

Skills: Credit Analyst, Due Diligence

Experience: 3.00-8.00 Years

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