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
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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
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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